 Start Time: 08:00 January 1, 0000 8:47 AM ET SLM Corporation NASDAQ:SLM Q1 2022 Earnings Conference Call April 28, 2022, 08:00 AM ET Company Participants Jon Witter - CEO Steve McGarry - EVP and CFO Brian Cronin - VP, IR Conference Call Participants Michael Kaye - Wells Fargo Moshe Orenbuch - Credit Suisse Steven Kwok - Keefe, Bruyette Woods Vincent Caintic - Stephens Melissa Wedel - JPMorgan Operator Ladies and gentlemen, thank you for standing by, and welcome to the 2022 Q1 Sallie Mae Earnings Conference Call. At this time, all participants are in a listen-only mode. 