Exhibit 99.1

ANNEX A

THE TRUST STUDENT LOAN POOL

The trust student loans owned by the trust were originally selected from a portfolio of consolidation student loans owned by SLM ECFC and VG Funding by employing several criteria, including requirements that each trust student loan as of the original cutoff date (and with respect to each additional trust student loan as of its related subsequent cutoff date):

•

was a consolidation loan guaranteed as to principal and interest by a guaranty agency under a guarantee agreement and the guaranty agency was, in turn, reinsured by the Department of Education in accordance with the FFELP;

•

contained terms in accordance with those required by the FFELP, the guarantee agreements and other applicable requirements;

•

was fully disbursed;

•

was not more than 210 days past due;

•

did not have a borrower who was noted in the related records of the servicer as being currently involved in a bankruptcy proceeding; and

•

had special allowance payments, if any, based on the three-month commercial paper rate or the 91-day Treasury bill rate.

No trust student loan as of the applicable cutoff date was subject to any prior obligation to sell that loan to a third party.

Unless otherwise specified, all information with respect to the trust student loans is presented as of May 31, 2024, which is the statistical disclosure date.

The following tables provide a description of specified characteristics of the trust student loans as of the statistical disclosure date. The aggregate outstanding principal balance of the loans in each of the following tables includes the principal balance due from borrowers, plus accrued interest of $4,251,246 to be capitalized as of the statistical disclosure date. Percentages and dollar amounts in any table may not total 100% or whole dollars due to rounding. The following tables also contain information concerning the total number of loans and total number of borrowers in the portfolio of trust student loans. For ease of administration, the servicer separates a consolidation loan on its system into two separate loan segments representing subsidized and unsubsidized segments of the same loan. The following tables reflect those loan segments within the number of loans. In addition, 5 borrowers have more than one trust student loan.

The distribution by weighted average interest rate applicable to the trust student loans on any date following the statistical disclosure date may vary significantly from that in the following tables as a result of variations in the effective rates of interest applicable to the trust student loans and in rates of principal reduction. Moreover, the information below about the weighted average remaining term to maturity of the trust student loans as of the statistical disclosure date may vary significantly from the actual term to maturity of any of the trust student loans as a result of prepayments or the granting of deferment and forbearance periods.

The following tables also contain information concerning the total number of loans and the total number of borrowers in the portfolio of trust student loans.

Percentages and dollar amounts in any table may not total 100% of the trust student loan balance, as applicable, due to rounding.

A-1

COMPOSITION OF THE TRUST STUDENT LOANS AS OF

THE STATISTICAL DISCLOSURE DATE

Aggregate Outstanding Principal Balance	$	559,110,158
Aggregate Outstanding Principal Balance – Treasury Bill	$	28,446,303
Percentage of Aggregate Outstanding Principal Balance – Treasury Bill		5.09	%
Aggregate Outstanding Principal Balance – One-Month LIBOR	$	488,598,521
Percentage of Aggregate Outstanding Principal Balance – One-Month LIBOR		87.39	%
Aggregate Outstanding Principal Balance – Treasury Bill Other	$	42,065,334
Percentage of Aggregate Outstanding Principal Balance – Treasury Bill Other		7.52	%
Number of Borrowers		16,753
Average Outstanding Principal Balance Per Borrower	$	33,374
Number of Loans		30,742
Average Outstanding Principal Balance Per Loan – Treasury Bill	$	44,447
Average Outstanding Principal Balance Per Loan – One-Month LIBOR	$	16,768
Average Outstanding Principal Balance Per Loan – Treasury Bill Other	$	43,636
Weighted Average Remaining Term to Scheduled Maturity	176 months
Weighted Average Annual Interest Rate		4.89	%

(1)	Trust student loans with special allowance payments indexed to one-month LIBOR will be indexed to 30-day Average SOFR from and after July 1, 2023.

We determined the weighted average remaining term to maturity shown in the table from the statistical disclosure date to the stated maturity date of the applicable trust student loan without giving effect to any deferment or forbearance periods that may be granted in the future. See Appendix A to the preliminary remarketing memorandum.

The weighted average annual borrower interest rate shown in the table is exclusive of special allowance payments. The weighted average spread for special allowance payments to the 91-day Treasury bill rate was 3.12% as of the statistical disclosure date.

The weighted average spread for special allowance payments to the one-month LIBOR rate was 2.64% as of the statistical disclosure date. See “Special Allowance Payments” in Appendix A to the preliminary remarketing memorandum.

The category “Other” in the table above represents the Health Education Assistance Loan Program (which we refer to as “HEAL” and the loans originated under such program as “HEAL Loans”) portion of any consolidation loans made under the FFELP which consolidated one or more Stafford Loans, SLS Loans and/or PLUS Loans with one or more student loans originated under the HEAL Program. These consolidation loans are guaranteed as to principal and interest by a guaranty agency and reinsured by the Department of Education. The HEAL portion of any consolidation loan is not eligible to receive special allowance payments or interest subsidy payments. The interest rate on the HEAL Loan segment of any such consolidation loan is variable and is reset each July 1, based upon the average bond-equivalent rate for 91-day Treasury bills auctioned during the three months ending June 30, plus 3.0%. In addition, the applicable interest rate on the HEAL Loan segment of any such consolidation loan is not subject to any cap on the interest rate that may apply to the principal of the HEAL Loan segment.

For these purposes, the 91-day Treasury bill rate is the weighted average per annum discount rate, expressed on a bond equivalent basis and applied on a daily basis, for direct obligations of the United States with a maturity of thirteen weeks, as reported by the U.S. Department of the Treasury.

A-2

DISTRIBUTION OF THE TRUST STUDENT LOANS

BY BORROWER INTEREST RATES AS OF THE STATISTICAL

DISCLOSURE DATE

Interest Rates	Number of Loans		Aggregate Outstanding Principal Balance		Percent of Pool by Outstanding Principal Balance
Less than or equal to 3.00%		6,491	$	83,376,492		14.9	%
3.01% to 3.50%		7,845		95,172,027		17.0
3.51% to 4.00%		5,727		90,450,559		16.2
4.01% to 4.50%		5,558		92,060,415		16.5
4.51% to 5.00%		1,184		27,215,172		4.9
5.01% to 5.50%		499		12,171,196		2.2
5.51% to 6.00%		325		9,371,771		1.7
6.01% to 6.50%		319		11,421,856		2.0
6.51% to 7.00%		485		14,642,156		2.6
7.01% to 7.50%		215		8,402,983		1.5
7.51% to 8.00%		391		17,669,299		3.2
8.01% to 8.50%		1,467		81,765,304		14.6
Equal to or greater than 8.51%		236		15,390,928		2.8
Total		30,742	$	559,110,158		100.0	%

We determined the interest rates shown in the table above using the interest rates applicable to the trust student loans as of the statistical disclosure date. Because trust student loans with different interest rates are likely to be repaid at different rates, this information is not likely to remain applicable to the trust student loans after the statistical disclosure date. See Appendix A to the preliminary remarketing memorandum and “The Student Loan Pools – SLM Corporation’s Student Loan Financing Business” in the prospectus.

A-3

DISTRIBUTION OF THE TRUST STUDENT LOANS BY

OUTSTANDING PRINCIPAL BALANCE PER BORROWER

AS OF THE STATISTICAL DISCLOSURE DATE

Range of Outstanding Principal Balance		Number of Borrowers		Aggregate Outstanding Principal Balance		Percent of Pool by Outstanding Principal Balance
Less than $5,000.00			3,743	$	8,091.542		1.4	%
$	5,000.00-$ 9,999.99		2,376		17,576,223		3.1
$	10,000.00-$14,999.99		1,857		22,993,951		4.1
$	15,000.00-$19,999.99		1,396		24,275,252		4.3
$	20,000.00-$24,999.99		1,117		25,043,503		4.5
$	25,000.00-$29,999.99		936		25,684,615		4.6
$	30,000.00-$34,999.99		777		25,225,625		4.5
$	35,000.00-$39,999.99		619		23,191,587		4.1
$	40,000.00-$44,999.99		529		22,467,625		4.0
$	45,000.00-$49,999.99		406		19,244,957		3.4
$	50,000.00-$54,999.99		363		19,070,814		3.4
$	55,000.00-$59,999.99		313		17,951,593		3.2
$	60,000.00-$64,999.99		266		16,584,873		3.0
$	65,000.00-$69,999.99		173		11,666,194		2.1
$	70,000.00-$74,999.99		177		12,828,764		2.3
$	75,000.00-$79,999.99		152		11,775,925		2.1
$	80,000.00-$84,999.99		153		12,607,819		2.3
$	85,000.00-$89,999.99		113		9,867,135		1.8
$	90,000.00-$94,999.99		105		9,700,446		1.7
$	95,000.00-$99,999.99		103		10,048,742		1.8
$	100,000.00 and above		1,079		213,212,972		38.1

Total			16,753	$	559,110,158		100.0	%

A-4

DISTRIBUTION OF THE TRUST STUDENT LOANS

BY DELINQUENCY STATUS AS OF THE

STATISTICAL DISCLOSURE DATE

Number of Days Delinquent	Number of Loans		Aggregate Outstanding Principal Balance		Percent of Pool by Outstanding Principal Balance
0-30 days		29,226	$	519,641,075		92.9	%
31-60 days		508		13,560,713		2.4
61-90 days		299		8,282,402		1.5
91-120 days		175		4,686,481		0.8
121-150 days		115		3,002,563		0.5
151-180 days		126		3,593,669		0.6
181-210 days		58		1,172,652		0.2
Greater than 210 days		235		5,170,603		0.9

Total		30,742	$	559,110,158		100.0	%

A-5

DISTRIBUTION OF THE TRUST STUDENT LOANS

BY REMAINING TERM TO SCHEDULED MATURITY

AS OF THE STATISTICAL DISCLOSURE DATE

Number of Months Remaining to Scheduled Maturity	Number of Loans		Aggregate Outstanding Principal Balance		Percent of Pool by Outstanding Principal Balance
0 to 3		286	$	68,907		*
4 to 12		1,942		1,140,169		0.2	%
13 to 24		1,697		3,824,902		0.7
25 to 36		1,526		4,387,552		0.8
37 to 48		1,309		5,665,083		1.0
49 to 60		1,157		6,359,115		1.1
61 to 72		3,045		17,976,082		3.2
73 to 84		1,433		12,020,288		2.1
85 to 96		1,286		13,416,637		2.4
97 to 108		1,466		19,935,573		3.6
109 to 120		1,345		19,654,329		3.5
121 to 132		4,096		67,628,100		12.1
133 to 144		2,041		46,394,475		8.3
145 to 156		1,658		45,104,224		8.1
157 to 168		1,517		46,171,694		8.3
169 to 180		1,014		33,537,189		6.0
181 to 192		866		33,840,907		6.1
193 to 204		666		28,706,674		5.1
205 to 216		406		17,362,586		3.1
217 to 228		327		13,136,098		2.3
229 to 240		308		13,938,509		2.5
241 to 252		211		9,979,507		1.8
253 to 264		124		6,816,627		1.2
265 to 276		124		6,401,479		1.1
277 to 288		127		6,640,871		1.2
289 to 300		165		13,291,938		2.4
301 to 312		403		45,316,598		8.1
313 to 324		26		2,135,125		0.4
325 to 336		34		2,762,640		0.5
337 to 348		29		2,226,681		0.4
349 to 360		61		8,232,664		1.5
361 and above		47		5,036,934		0.9

Total		30,742	$	559,110,158		100.0	%

*	Represents a percentage greater than 0% but less than 0.05%.

We have determined the number of months remaining to scheduled maturity shown in the table from the statistical disclosure date to the stated maturity date of the applicable trust student loan without giving effect to any deferment or forbearance periods that may be granted in the future. See Appendix A to the preliminary remarketing memorandum and “The Student Loan Pools – SLM Corporation’s Student Loan Financing Business” in the prospectus.

A-6

DISTRIBUTION OF THE TRUST STUDENT LOANS

BY CURRENT BORROWER PAYMENT STATUS

AS OF THE STATISTICAL DISCLOSURE DATE

Current Borrower Payment Status	Number of Loans		Aggregate Outstanding Principal Balance		Percent of Pool by Outstanding Principal Balance
Deferment		673	$	13,352,335		2.4	%
Forbearance⁽¹⁾		2,842		82,408,437		14.7
Repayment
First year in repayment		193		11,855,334		2.1
Second year in repayment		191		10,465,417		1.9
Third year in repayment		213		8,919,418		1.6
More than 3 years in repayment		26,630		432,109,217		77.3

Total		30,742	$	559,110,158		100.0	%

(1) Of the trust student loans in forbearance status, approximately 267 loans with an aggregate outstanding principal balance of $4,662,052, representing 0.83% of the pool by principal, are in the Coronavirus Disaster Forbearance Program.

Current borrower payment status refers to the status of the borrower of each trust student loan as of the statistical disclosure date. The borrower:

•

may have temporarily ceased repaying the loan through a deferment or a forbearance period (this category includes the Coronavirus Disaster Forbearance Program); or

•

may be currently required to repay the loan – repayment.

See Appendix A to the preliminary remarketing memorandum and “The Student Loan Pools – SLM Corporation’s Student Loan Financing Business” in the prospectus.

The weighted average number of months in repayment for all trust student loans currently in repayment is approximately 155.1 calculated as the term to maturity at the commencement of repayment less the number of months remaining to scheduled maturity as of the statistical disclosure date.

A-7

SCHEDULED WEIGHTED AVERAGE REMAINING MONTHS IN

STATUS OF THE TRUST STUDENT LOANS BY

CURRENT BORROWER PAYMENT STATUS AS OF THE

STATISTICAL DISCLOSURE DATE

	Scheduled Months in Status Remaining
Current Borrower Payment Status	Deferment		Forbearance		Repayment
Deferment		15.8		-		195.2
Forbearance		-		11.6		209.2
Repayment		-		-		166.5

We have determined the scheduled weighted average remaining months in status shown in the previous table without giving effect to any deferment or forbearance periods that may be granted in the future. Of the $13,352,335 aggregate outstanding principal balance of the trust student loans in deferment as of the statistical disclosure date, $8,430,831 or approximately 63.1% of such loans are to borrowers who had not graduated as of that date. We expect that a significant portion of these loans could qualify for additional deferments or forbearances at the end of their current deferment periods as the related borrowers continue their education beyond their current degree programs. As a result, the overall duration of any applicable deferment and forbearance periods as well as the likelihood of future deferment and forbearance periods within this pool of trust student loans is likely to be higher than in other pools of student loans without similar numbers of in-school consolidation loans. See Appendix A to the preliminary remarketing memorandum and “The Student Loan Pools – SLM Corporation’s Student Loan Financing Business” in the prospectus.

A-8

GEOGRAPHIC DISTRIBUTION OF THE TRUST STUDENT LOANS

AS OF THE STATISTICAL DISCLOSURE DATE

State	Number of Loans		Aggregate Outstanding Principal Balance		Percent of Pool by Outstanding Principal Balance
Alabama		269	$	4,686,064	0.8	%
Alaska		37		526,724	0.1
Arizona		647		14,087,360	2.7
Arkansas		191		3,588,552	0.6
California		3,236		65,669,205	11.8
Colorado		542		8,395,405	1.4
Connecticut		426		5,776,532	1.0
Delaware		101		2,512,115	0.4
District of Columbia		119		2,195,077	0.4
Florida		2,535		51,403,449	9.0
Georgia		940		23,052,039	4.2
Hawaii		137		2,307,149	0.4
Idaho		117		3,349,616	0.6
Illinois		1,226		20,464,461	3.9
Indiana		832		11,534,799	2.1
Iowa		118		2,338,823	0.4
Kansas		510		6,403,918	1.2
Kentucky		245		3,846,565	0.7
Louisiana		990		15,503,996	2.9
Maine		97		1,497,879	0.3
Maryland		659		13,292,425	2.3
Massachusetts		738		9,924,268	1.9
Michigan		631		13,015,871	2.3
Minnesota		314		6,408,005	1.2
Mississippi		268		5,589,942	1.0
Missouri		627		9,666,325	1.7
Montana		77		1,297,467	0.2
Nebraska		36		677,435	0.2
Nevada		200		3,480,019	0.6
New Hampshire		138		2,262,102	0.4
New Jersey		855		15,414,603	2.6
New Mexico		90		1,212,302	0.2
New York		2,016		36,376,933	6.2
North Carolina		737		13,912,462	2.5
North Dakota		21		299,057	0.1
Ohio		1,502		29,089,270	5.4
Oklahoma		603		9,395,485	1.7
Oregon		467		7,794,674	1.4
Pennsylvania		1,048		17,544,968	3.2
Rhode Island		78		1,142,547	0.2
South Carolina		342		7,749,001	1.4
South Dakota		39		552,407	0.1
Tennessee		640		14,092,992	2.4
Texas		2,715		46,540,838	8.1
Utah		116		2,053,018	0.4
Vermont		47		659,991	0.1
Virginia		817		14,698,001	2.6
Washington		834		12,409,637	2.3
West Virginia		134		1,510,763	0.3
Wisconsin		269		4,342,751	0.8
Wyoming		37		585,210	0.1
Other		332		6,979,661	1.2
Total		30,742	$	559,110,158	100.0	%

We have based the geographic distribution shown in the table on the billing addresses of the borrowers of the trust student loans shown on the servicer’s records as of the statistical disclosure date.

A-9

Each of the trust student loans provides or will provide for the amortization of its outstanding principal balance over a series of regular payments. Except as described below, each regular payment consists of an installment of interest which is calculated on the basis of the outstanding principal balance of the trust student loan. The amount received is applied first to interest accrued to the date of payment and the balance of the payment, if any, is applied to reduce the unpaid principal balance. Accordingly, if a borrower pays a regular installment before its scheduled due date, the portion of the payment allocable to interest for the period since the preceding payment was made will be less than it would have been had the payment been made as scheduled, and the portion of the payment applied to reduce the unpaid principal balance will be correspondingly greater. Conversely, if a borrower pays a monthly installment after its scheduled due date, the portion of the payment allocable to interest for the period since the preceding payment was made will be greater than it would have been had the payment been made as scheduled, and the portion of the payment applied to reduce the unpaid principal balance will be correspondingly less.

In either case, subject to any applicable deferment periods or forbearance periods, and except as provided below, the borrower pays a regular installment until the final scheduled payment date, at which time the amount of the final installment is increased or decreased as necessary to repay the then outstanding principal balance of that trust student loan.

A-10

The servicer makes available to borrowers of student loans it holds (including the trust student loans) payment terms that may result in the lengthening of the remaining term of the student loans. For example, not all of the loans sold to the trust provide for level payments throughout the repayment term of the loans. Some student loans provide for interest only payments to be made for a designated portion of the term of the loans, with amortization of the principal of the loans occurring only when payments increase in the latter stage of the term of the loans. Other loans provide for a graduated phase in of the amortization of principal with a greater portion of principal amortization being required in the latter stages than would be the case if amortization were on a level payment basis. The servicer also offers an income-sensitive repayment plan, under which repayments are based on the borrower’s income. Under that plan, ultimate repayment may be delayed up to five years. Borrowers under trust student loans will continue to be eligible for the graduated payment and income-sensitive repayment plans. These programs are applicable to the trust student loans and may be offered by the servicer to related borrowers at its discretion.

The following table provides certain information about trust student loans subject to the repayment terms described in the preceding paragraphs.

DISTRIBUTION OF THE TRUST STUDENT LOANS BY REPAYMENT

TERMS AS OF THE STATISTICAL DISCLOSURE DATE

Loan Repayment Terms	Number of Loans		Aggregate Outstanding Principal Balance		Percent of Pool by Outstanding Principal Balance
Level Repayment		15,993	$	230,292,936		41.2	%
Other Repayment Options⁽¹⁾		11,088		192,881,633		34.5
Income-driven Repayment⁽²⁾		3,661		135,935,589		24.3
Total		30,742	$	559,110,158		100.0	%

(1)	Includes, among others, graduated repayment and interest-only period loans.

(2)	Includes income sensitive and income based repayment.

With respect to interest-only loans, as of the statistical disclosure date, there are 158 loans with an aggregate outstanding principal balance of $7,376,929 currently in an interest-only period. These interest-only loans represent approximately 1.3% of the aggregate outstanding principal balance of the trust student loans. Interest-only periods range up to 48 months in overall length.

The servicer may in the future offer repayment terms similar to those described above to borrowers of trust student loans who are not entitled to these repayment terms as of the statistical disclosure date. If repayment terms are offered to and accepted by those borrowers, the weighted average life of the securities could be lengthened.

DISTRIBUTION OF THE TRUST STUDENT LOANS BY LOAN

TYPE AS OF THE STATISTICAL DISCLOSURE DATE

Loan Type	Number of Loans		Aggregate Outstanding Principal Balance		Percent of Pool by Outstanding Principal Balance
Subsidized		14,739	$	205,884,818		36.8	%
Unsubsidized		16,003		353,225,341		63.2

Total		30,742	$	559,110,158		100.0	%

A-11

The following table provides information about the trust student loans regarding date of disbursement.

DISTRIBUTION OF THE TRUST STUDENT LOANS

BY DATE OF DISBURSEMENT AS OF

THE STATISTICAL DISCLOSURE DATE

Disbursement Date	Number of Loans		Aggregate Outstanding Principal Balance		Percent of Pool by Outstanding Principal Balance
September 30, 1993 and earlier		76	$	4,764,851		0.9	%
October 1, 1993 through June 30, 2006		30,666		554,345,308		99.1
July 1, 2006 and later		0		0		0.0
Total		30,742	$	559,110,158		100.0	%

Guaranty Agencies for the Trust Student Loans. The eligible lender trustee has entered into a separate guarantee agreement with each of the guaranty agencies listed below, under which each of the guarantors has agreed to serve as guarantor for specified trust student loans.

The following table provides information with respect to the portion of the trust student loans guaranteed by each guarantor.

DISTRIBUTION OF THE TRUST STUDENT LOANS

BY GUARANTY AGENCY AS OF

THE STATISTICAL DISCLOSURE DATE

Name of Guaranty Agency	Number of Loans		Aggregate Outstanding Principal Balance		Percent of Pool by Outstanding Principal Balance
American Student Assistance		1,082	$	14,878,616		2.7	%
College Assist		7		380,082		0.1
Educational Credit Management Corporation		2,597		36,289,099		6.5
Florida Off Of Student Fin'l Assistance		900		10,696,222		1.9
Great Lakes Higher Education Corporation		15,256		328,376,585		58.7
Kentucky Higher Educ. Asst. Auth.		737		9,150,775		1.6
Michigan Guaranty Agency		319		4,633,774		0.8
Oklahoma Guaranteed Stud Loan Prog		510		6,985,104		1.2
Pennsylvania Higher Education Assistance Agency		2,612		35,303,097		6.3
Texas Guaranteed Student Loan Corp		6,722		112,416,805		20.1
Total		30,742	$	559,110,158		100.0	%

A-12

SLM Student Loan Trust 2004-10 8-K