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SLM (SLM) investor relations material
SLM Barclays 23rd Annual Global Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Barclays 23rd Annual Global Financial Services Conference summary9 Sep, 2025
Origination trends and guidance
Focus remains on quality over volume, with ongoing credit tightening to improve the loan book.
Origination growth guidance was revised down to 5%-6% due to softer demand and less effective strategies in Q2.
Credit actions and program caps, especially in California, contributed to lower volume.
Legislative-driven market expansion
Legislative changes will create new borrower opportunities starting next academic year, phasing in over 3-4 years.
Grad PLUS and parent PLUS volumes are expected to begin ramping in 2026, with full impact over several years.
Bottoms-up underwriting analysis supports a $4.5B-$5B attainable opportunity within the current credit profile.
Product and funding strategy
Ongoing evaluation of whether to introduce a parent-only product or adapt existing offerings.
Grad PLUS fits well with current underwriting, with nuanced risk and duration by program type.
Actively pursuing private credit partnerships to supplement bank funding and reduce reliance on episodic loan sales.
New funding models aim to create a capital-light, fee-based revenue stream and manage balance sheet growth.
What factors led to the revised origination guidance?
When will legislative market expansion fully phase in?
What are the goals for private credit partnerships?
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Q3 202523 Oct, 2025
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Frequently asked questions
SLM Corporation, commonly known as Sallie Mae, is a consumer banking company primarily engaged in private education loans. It provides student loans, savings products, and online banking services targeted at students and their families. The company also offers financial literacy resources and repayment tools. SLM Corporation is headquartered in Newark, Delaware, and its shares are listed on the NASDAQ.
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