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  <xs:element id="slm_AllowanceForCreditCardLoansPolicyTextBlock" abstract="false" name="AllowanceForCreditCardLoansPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_AllowanceForFFELPLoanLossesPolicyPolicyTextBlock" abstract="false" name="AllowanceForFFELPLoanLossesPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_DepositsPolicyTextBlock" abstract="false" name="DepositsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_OtherIncomePolicyPolicyTextBlock" abstract="false" name="OtherIncomePolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_LoansheldforinvestmentbyRegionTableTextBlock" abstract="false" name="LoansheldforinvestmentbyRegionTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_FinancingReceivablesAmortizedCostBasisTableTextBlock" abstract="false" name="FinancingReceivablesAmortizedCostBasisTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_AccruedInterestReceivableTableTextBlock" abstract="false" name="AccruedInterestReceivableTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_ScheduleofDepositsTableTextBlock" abstract="false" name="ScheduleofDepositsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_InterestBearingDepositsTableTextBlock" abstract="false" name="InterestBearingDepositsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_ScheduleofMaturitiesofTimeDepositsTableTextBlock" abstract="false" name="ScheduleofMaturitiesofTimeDepositsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock" abstract="false" name="ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardRestrictedStockUnitsAndPerformanceStockUnitsVestedAndExpectedToVestTableTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="slm_FinancingReceivableHeldForSalePrincipal" abstract="false" name="FinancingReceivableHeldForSalePrincipal" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableHeldForSaleCapitalizedInterest" abstract="false" name="FinancingReceivableHeldForSaleCapitalizedInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_FinancingReceivableHeldForSaleAccruedInterest" abstract="false" name="FinancingReceivableHeldForSaleAccruedInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_VerticalRiskRetentionPercentage" abstract="false" name="VerticalRiskRetentionPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment" abstract="false" name="PercentageOfPrivateEducationLoansRelatedToBorrowersInSchoolGraceOrDeferment" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_CreditCardsMember" abstract="true" name="CreditCardsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo" abstract="false" name="PercentageReimbursementOnAllQualifyingFfelpDefaultClaimsPeriodTwo" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne" abstract="false" name="PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodOne" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree" abstract="false" name="PercentageReimbursementOnAllQualifyingDefaultClaimsPeriodThree" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure" abstract="false" name="PercentageReimbursementOnAllQualifyingDefaultClaimsMaximumLossExposure" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types: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_NitroCollegeMember" abstract="true" name="NitroCollegeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types: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-types:percentItemType"/>
  <xs:element id="slm_LondonClearingHouseMember" abstract="true" name="LondonClearingHouseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_DerivativeInstrumentPercentofTotalNotionalDerivativeContracts" abstract="false" name="DerivativeInstrumentPercentofTotalNotionalDerivativeContracts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types: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_UtahHousingCorporationBondsMember" abstract="true" name="UtahHousingCorporationBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_AvailableForSaleSecuritiesUnrealizedLossPositionAbstract" abstract="true" name="AvailableForSaleSecuritiesUnrealizedLossPositionAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="slm_Maturity2026Member" abstract="true" name="Maturity2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Maturity2027Member" abstract="true" name="Maturity2027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Maturity2038Member" abstract="true" name="Maturity2038Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Maturity2039Member" abstract="true" name="Maturity2039Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Maturity2042Member" abstract="true" name="Maturity2042Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Maturity2043Member" abstract="true" name="Maturity2043Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Maturity2044Member" abstract="true" name="Maturity2044Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Maturity2045Member" abstract="true" name="Maturity2045Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Maturity2046Member" abstract="true" name="Maturity2046Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Maturity2047Member" abstract="true" name="Maturity2047Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Maturity2048Member" abstract="true" name="Maturity2048Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Maturity2049Member" abstract="true" name="Maturity2049Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Maturity2050Member" abstract="true" name="Maturity2050Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Maturity2051Member" abstract="true" name="Maturity2051Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Maturity2052Member" abstract="true" name="Maturity2052Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Maturity2053Member" abstract="true" name="Maturity2053Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Maturity2054Member" abstract="true" name="Maturity2054Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_Maturity2055Member" abstract="true" name="Maturity2055Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_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-types:domainItemType"/>
  <xs:element id="slm_PrivateEducationLoansMember" abstract="true" name="PrivateEducationLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_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-types: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-types:percentItemType"/>
  <xs:element id="slm_InterestRateReductionPercentage" abstract="false" name="InterestRateReductionPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_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-types:percentItemType"/>
  <xs:element id="slm_PercentageofAggregateOutstandingLoansHeldForInvestment" abstract="false" name="PercentageofAggregateOutstandingLoansHeldForInvestment" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_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-types: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-types:percentItemType"/>
  <xs:element id="slm_ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable" abstract="true" name="ScheduleOfAllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="slm_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-types: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_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" abstract="false" name="ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <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_UnfundedLoanHeldForSale" abstract="false" name="UnfundedLoanHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_AllowanceForCreditLossesAbstract" abstract="true" name="AllowanceForCreditLossesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="slm_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-types: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-types: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_InterestRateReductionAndTermExtensionMember" abstract="true" name="InterestRateReductionAndTermExtensionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types: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-types:percentItemType"/>
  <xs:element id="slm_FinancingReceivableChangeInContractualRate" abstract="false" name="FinancingReceivableChangeInContractualRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types: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-types: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-types:domainItemType"/>
  <xs:element id="slm_LoansInSchoolGraceDefermentMember" abstract="true" name="LoansInSchoolGraceDefermentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_LoansInForbearanceMember" abstract="true" name="LoansInForbearanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="slm_FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" abstract="false" name="FinancingReceivableLoansInForbearanceOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="slm_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-types:percentItemType"/>
  <xs:element id="slm_PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" abstract="false" name="PercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear" abstract="false" name="PercentageOfLoansInRepaymentOriginatedTwoYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear" abstract="false" name="PercentageOfLoansInRepaymentOriginatedThreeYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear" abstract="false" name="PercentageOfLoansInRepaymentOriginatedFourYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" abstract="false" name="PercentageOfLoansInRepaymentOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss" abstract="false" name="PercentageOfLoansInRepaymentBeforeAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" abstract="false" name="DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" abstract="false" name="DelinquenciesAsPercentageOfLoansInRepaymentOriginatedInFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="DelinquenciesAsPercentageOfLoansInRepaymentOriginatedTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" abstract="false" name="DelinquenciesAsPercentageOfLoansInRepaymentOriginatedThreeYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" abstract="false" name="DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFourYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear" abstract="false" name="DelinquenciesAsPercentageOfLoansInRepaymentOriginatedFiveYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_DelinquenciesAsPercentageOfLoansInRepayment" abstract="false" name="DelinquenciesAsPercentageOfLoansInRepayment" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance" abstract="false" name="LoansInForbearanceAsPercentageOfLoansInRepaymentAndForbearance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear" abstract="false" name="LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedInFiscalYearBeforeLatestFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear" abstract="false" name="LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear" abstract="false" name="LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedThreeYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear" abstract="false" name="LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearanceOriginatedFourYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="slm_LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance" abstract="false" name="LoansInForbearanceAsAPercentageOfPrivateEducationLoansInRepaymentAndForbearance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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</xs:schema>
