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 Student Loan Marketing Association by employing several criteria, including requirements that each trust student loan as of the original cutoff date:

•

was 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 more than 120 days past the final disbursement;

•

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 original cutoff date was subject to the depositor’s or the Student Loan Marketing Association’s prior obligation to sell that loan to a third party. The Student Loan Marketing Association was dissolved on December 31, 2004 and all of its obligations were assumed by its affiliate, Navient Credit Finance Corporation.

Unless otherwise specified, all information with respect to the trust student loans is presented as of October 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 $2,889,590 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, 1 borrower has 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.

A-1

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

COMPOSITION OF THE TRUST STUDENT LOANS AS OF

THE STATISTICAL DISCLOSURE DATE

Aggregate Outstanding Principal Balance	$	196,588,575
Aggregate Outstanding Principal Balance – Treasury Bill	$	31,086,092
Percentage of Aggregate Outstanding Principal Balance – Treasury Bill		15.81	%
Aggregate Outstanding Principal Balance – 30-day Average SOFR	$	165,502,483
Percentage of Aggregate Outstanding Principal Balance – 30-day Average SOFR		84.19	%
Number of Borrowers		4,929
Average Outstanding Principal Balance Per Borrower	$	39,884
Number of Loans		8,695
Average Outstanding Principal Balance Per Loan – Treasury Bill	$	49,500
Average Outstanding Principal Balance Per Loan – 30-day Average SOFR	$	20,516
Weighted Average Remaining Term to Scheduled Maturity	188 months
Weighted Average Annual Interest Rate		6.31	%

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 3.10% as of the statistical disclosure date.

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

For this purpose, the three-month commercial paper rate is the average of the bond equivalent rates of the three-month commercial paper (financial) rates in effect for each of the days in a calendar quarter as reported by the Federal Reserve in Publication H.15 (or its successor) for that calendar quarter. 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 United States 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%		0	$	0		0.0	%
3.01% to 3.50%		178		2,036,589		1.0
3.51% to 4.00%		398		6,607,328		3.4
4.01% to 4.50%		1,589		20,730,938		10.5
4.51% to 5.00%		2,477		43,568,324		22.2
5.01% to 5.50%		468		9,541,830		4.9
5.51% to 6.00%		382		8,115,224		4.1
6.01% to 6.50%		586		12,349,748		6.3
6.51% to 7.00%		1,067		26,186,707		13.3
7.01% to 7.50%		241		6,518,969		3.3
7.51% to 8.00%		500		20,915,227		10.6
8.01% to 8.50%		613		26,755,379		13.6
Equal to or greater than 8.51%		196		13,262,313		6.7

Total		8,695	$	196,588,575		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–Sallie Mae’s Student Loan Financing Business” in the original 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		682	$	1,759,792		0.9	%
$5,000.00-$ 9,999.99		655			4,804,899	2.4
$10,000.00-$14,999.99		501			6,262,571	3.2
$15,000.00-$19,999.99		439			7,632,215	3.9
$20,000.00-$24,999.99		361			8,106,720	4.1
$25,000.00-$29,999.99		330			9,085,457	4.6
$30,000.00-$34,999.99		266			8,564,076	4.4
$35,000.00-$39,999.99		207			7,739,043	3.9
$40,000.00-$44,999.99		164			6,951,884	3.5
$45,000.00-$49,999.99		166			7,858,826	4.0
$50,000.00-$54,999.99		138			7,235,412	3.7
$55,000.00-$59,999.99		110			6,297,041	3.2
$60,000.00-$64,999.99		74			4,616,187	2.3
$65,000.00-$69,999.99		87			5,860,156	3.0
$70,000.00-$74,999.99		81			5,849,721	3.0
$75,000.00-$79,999.99		65			5,021,625	2.6
$80,000.00-$84,999.99		46			3,801,338	1.9
$85,000.00-$89,999.99		49			4,272,135	2.2
$90,000.00-$94,999.99		33			3,052,227	1.6
$95,000.00-$99,999.99		38			3,714,361	1.9
$100,000.00 and above		437			78,102,889	39.7

Total		4,929		$	196,588,575	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		8,229	$	180,319,131		91.7	%
31-60 days		156			3,977,322	2.0
61-90 days		100			5,530,008	2.8
91-120 days		57			1,640,630	0.8
121-150 days		42			1,694,401	0.9
151-180 days		26			885,567	0.5
181-210 days		12			317,389	0.2
Greater than 210 days		73			2,224,128	1.1

Total		8,695		$	196,588,575	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		49	$	15,154		*
4 to12		228			291,990	0.1	%
13 to 24		283			864,095	0.4
25 to 36		863			2,983,111	1.5
37 to 48		600			3,389,144	1.7
49 to 60		439			3,738,778	1.9
61 to 72		416			4,480,606	2.3
73 to 84		338			4,451,361	2.3
85 to 96		1,057			12,775,255	6.5
97 to 108		635			9,552,634	4.9
109 to 120		463			9,611,326	4.9
121 to 132		482			11,656,743	5.9
133 to 144		407			11,462,826	5.8
145 to 156		326			10,715,559	5.5
157 to 168		315			10,300,284	5.2
169 to 180		250			9,661,096	4.9
181 to 192		197			7,418,521	3.8
193 to 204		160			6,775,783	3.4
205 to 216		152			6,254,407	3.2
217 to 228		130			6,165,847	3.1
229 to 240		96			4,603,602	2.3
241 to 252		75			4,428,339	2.3
253 to 264		80			3,685,399	1.9
265 to 276		51			3,002,917	1.5
277 to 288		57			3,740,708	1.9
289 to 300		114			7,375,191	3.8
301 to 312		335			24,876,036	12.7
313 to 324		28			3,937,396	2.0
325 to 336		12			1,273,359	0.6
337 to 348		5			505,479	0.3
349 to 360		30			3,328,532	1.7
361 and above		22			3,267,096	1.7

Total		8,695		$	196,588,575	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 –Sallie Mae’s Student Loan Financing Business” in the original 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		172	$	6,176,974		3.1	%
Forbearance		816		31,653,822		16.1
Repayment
First year in repayment		43		3,385,405		1.7
Second year in repayment		30		2,289,705		1.2
Third year in repayment		45		3,427,147		1.7
More than 3 years in repayment		7,589		149,655,521		76.1

Total		8,695	$	196,588,575		100.0	%

(1) Of the trust student loans in forbearance status, approximately 155 loans with an aggregate outstanding principal balance of $4,963,950, representing 2.53% 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–Sallie Mae’s Student Loan Financing Business” in the original prospectus.

The weighted average number of months in repayment for all trust student loans currently in repayment is approximately 166.4 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		18.6		-		225.8
Forbearance		-		13.3		218.3
Repayment		-		-		176.9

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 $6,176,974 aggregate outstanding principal balance of the trust student loans in deferment as of the statistical disclosure date, $3,593,854 or approximately 58.2% 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 original 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		67	$	1,371,452		0.7	%
Alaska		5			111,718	0.1
Arizona		177			4,449,867	2.3
Arkansas		49			1,533,621	0.8
California		1,010			23,008,846	11.7
Colorado		148			2,668,754	1.4
Connecticut		136			3,145,158	1.6
Delaware		14			697,340	0.4
District of Columbia		30			448,459	0.2
Florida		634			16,926,540	8.6
Georgia		344			8,114,235	4.1
Hawaii		22			363,128	0.2
Idaho		29			483,108	0.2
Illinois		348			6,489,833	3.3
Indiana		124			1,785,923	0.9
Iowa		41			1,134,297	0.6
Kansas		118			2,885,997	1.5
Kentucky		49			859,199	0.4
Louisiana		277			6,298,396	3.2
Maine		38			940,189	0.5
Maryland		242			5,965,215	3.0
Massachusetts		231			3,756,518	1.9
Michigan		224			6,504,939	3.3
Minnesota		134			2,545,569	1.3
Mississippi		101			2,945,268	1.5
Missouri		219			4,659,716	2.4
Montana		11			400,348	0.2
Nebraska		14			393,601	0.2
Nevada		86			2,506,822	1.3
New Hampshire		45			975,109	0.5
New Jersey		217			4,894,528	2.5
New Mexico		23			505,888	0.3
New York		560			12,156,196	6.2
North Carolina		245			5,328,970	2.7
North Dakota		2			5,357	*
Ohio		41			1,218,388	0.6
Oklahoma		210			5,206,515	2.6
Oregon		142			3,469,591	1.8
Pennsylvania		227			4,431,077	2.3
Rhode Island		17			173,952	0.1
South Carolina		120			2,948,037	1.5
South Dakota		9			46,267	*
Tennessee		167			4,040,765	2.1
Texas		955			20,137,915	10.2
Utah		27			691,738	0.4
Vermont		13			145,038	0.1
Virginia		254			4,662,871	2.4
Washington		257			5,302,190	2.7
West Virginia		28			634,346	0.3
Wisconsin		101			3,826,246	1.9
Wyoming		9			101,763	0.1
Other		104			2,291,775	1.2

Total		8,695		$	196,588,575	100.0	%

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

A-9

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.

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.

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.

A-10

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		4,111	$	71,442,005		36.3	%
Other Repayment Options⁽¹⁾		3,207		67,700,434		34.4
Income-driven Repayment⁽²⁾		1,377		57,446,136		29.2
Total		8,695	$	196,588,575		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 79 loans with an aggregate outstanding principal balance of $5,329,405 currently in an interest-only period. These interest-only loans represent approximately 2.7% 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		4,308	$	83,058,496		42.2	%
Unsubsidized		4,387		113,530,079		57.8

Total		8,695	$	196,588,575		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		15	$	812,166		0.4	%
October 1, 1993 through June 30, 2006		8,680		195,776,409		99.6
July 1, 2006 and later		0		0		0.0

Total		8,695	$	196,588,575		100.0	%

A-12

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		395	$	6,027,671	3.1	%
College Assist		1		105,050	0.1
Educational Credit Management Corporation		664		14,387,888	7.3
Great Lakes Higher Education Corporation		4,725		114,600,893	58.3
Kentucky Higher Educ. Asst. Auth.		230		3,793,622	1.9
Michigan Guaranty Agency		133		2,580,474	1.3
Oklahoma Guaranteed Stud Loan Prog		207		3,672,934	1.9
Pennsylvania Higher Education Assistance Agency		727		16,146,667	8.2
Texas Guaranteed Student Loan Corp		1,613		35,273,376	17.9
Total		8,695	$	196,588,575	100.0	%

A-13

SLM Student Loan Trust 2003-4 8-K