SLM Corporation (NASDAQ:SLM) Q4 2021 Earnings Conference Call January 27, 2022 8:00 AM ET Company Participants Brian Cronin – Vice President-Investor Relations Jon Witter – Chief Executive Officer Steve McGarry – Chief Financial Officer Conference Call Participants Sanjay Sakhrani – KBW Michael Kaye – Wells Fargo Securities Mark DeVries – Barclays Moshe Orenbuch – Credit Suisse Matthew Hewitt – Jefferies Operator Good day, and welcome to the 2021 Fourth Quarter Sallie Mae Conference Call. At this time all p ...