4/23/2026

speaker
Melissa Bernau
Managing Vice President, Strategic Finance

Thank you for your continued patience. Your meeting will begin shortly.

speaker
Operator Assistance
Conference Call Operator

If you need assistance at any time, please press star zero and a member of our team will be happy to help you. ¶¶ . . . . ¶¶ . . . . . . . Please stand by, your program is about to begin.

speaker
Erica
Conference Call Operator

Welcome to the Sallie Mae First Quarter 2026 Earnings Conference Call. At this time, all participants have been placed on a listen-only mode and the floor will be open for your questions following the prepared remarks. If you would like to ask a question at that time, please press star 1 on your telephone keypad. If at any point your question has been answered, you may remove yourself from the queue by pressing star 2. Though others can hear your question clearly, we ask that you pick up your handset for best sound quality. Lastly, if you should require operator assistance, please press star 0. I would now like to turn the call over to Melissa Bernau, Managing Vice President, Strategic Finance. Please go ahead.

Disclaimer

This conference call transcript was computer generated and almost certianly contains errors. This transcript is provided for information purposes only.EarningsCall, LLC makes no representation about the accuracy of the aforementioned transcript, and you are cautioned not to place undue reliance on the information provided by the transcript.

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