SLM Corporation (NASDAQ:SLM) Q4 2020 Earnings Conference Call January 28, 2021 8:00 AM ET Company Participants Brian J. Cronin - Vice President of Investor Relations Jon Witter - Chief Executive Officer Steve McGarry - Chief Financial Officer Conference Call Participants Sanjay Sakhrani - KBW Michael Kaye - Wells Fargo Mark DeVries - Barclays Rick Shane - JPMorgan Moshe Orenbuch - Credit Suisse Jordan Hymowitz - Philadelphia Financial Management Henry Coffey - Wedbush Securities Operator Ladies and gentleme ...