Q3 2023 SLM Corp Earnings Call Transcript
Good day, and thank you for standing by. Welcome to the Third Quarter 2023 Sallie Mae Earnings Call. (Operator Instructions) Please be advised that today's conference is being recorded. I would now like to hand the conference over to your speaker, Melissa Bronaugh. Please go ahead.
Thank you, Carmen. Good morning, and welcome to Sallie Mae's Third Quarter 2023 Earnings Call. It is my pleasure to be here today with Jon Witter, our CEO; Steve McGarry, our CFO; and Pete Graham, who will succeed Steve as our next CFO beginning October 27. After the prepared remarks, we will open the call for questions. Before we begin, keep in mind our discussion will contain predictions, expectations and forward-looking statements. Actual results in the future may be materially different from those discussed here.
This could be due to a variety of factors. Listeners should refer to the discussion of those factors on the company's Form 10-Q and other filings with the SEC. For Sallie Mae, these factors include, among
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