UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-D

ASSET-BACKED ISSUER

DISTRIBUTION REPORT PURSUANT TO SECTION 13 OR 15(d) OF

THE SECURITIES EXCHANGE ACT OF 1934

For the distribution period from

~~October~~November 1, 2025 to ~~October~~November 3130, 2025

Commission File Number of issuing entity: 333-166301-13

Central Index Key of issuing entity: 1575098

SLM STUDENT LOAN TRUST 2013-3

(Exact name of issuing entity as specified in its charter)

Commission File Number of depositor: 333-166301

Central Index Key of depositor: 0000949114

NAVIENT FUNDING, LLC

(Exact name of depositor as specified in its charter)

Central Index Key of sponsor: 0001601725

NAVIENT SOLUTIONS, LLC

(Exact name of sponsor as specified in its charter)

Mai Le-Cao (571) 592-8608

(Name and telephone number, including area code, of the person to contact in connection with this filing)

Delaware

(State or other jurisdiction of

incorporation or organization of the

issuing entity)

04-3480392

54-1843973

(I.R.S. Employer Identification Nos.)

c/o Deutsche Bank Trust Company Delaware

111 Continental Drive, Suite 102

Newark, Delaware

19713

(Zip Code)

(Address of principal executive offices of issuing entity)

of issuing entity)

(571) 592-8608

(Telephone number including area code)

Not Applicable

(Former name, former address, if changed since last report)

Registered/reporting pursuant to (check one)

Title of class	Section 12(b)	Section 12(g)	Section 15(d)	Name of exchange (If Section 12(b))
				Name of exchange
Title of class	Section 12(b)	Section 12(g)	Section 15(d)	(If Section 12(b))
Class A Student Loan Backed Notes	☐	☐	☑
Class B Student Loan Backed Notes	☐	☐	☑

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes ☑ No ☐

PART I — DISTRIBUTION INFORMATION

Item 1.

Distribution and Pool Performance Information.

On ~~November~~December 2526, 2025, SLM Student Loan Trust 2013-3 (the “Trust”) made its regular monthly distribution of funds to holders of its Student Loan-Backed Notes. Navient Solutions, LLC (formerly, Navient Solutions, Inc.), as the administrator, distributed the Monthly Distribution Report for the Trust for the period identified on the cover of this Form 10-D to the Indenture Trustee, on behalf of the Trust’s noteholders of record. This Monthly Distribution Report is attached to this Report as Exhibit 99.1. This report as well as other information about the Trust is also available on the Administrator’s website at http://www.navient.com/about/investors/debtasset/slmsltrusts/. There is no activity to report under Rule 15Ga-1(a) under the Securities Exchange Act of 1934 with respect to the Trust for the distribution period referred to in the second sentence of this paragraph. The depositor of the Trust filed its most recent report on Form ABS-15G on February 7, 2025 (such report is available at www.sec.gov under the depositor’s CIK No. 0000949114).

PART II — OTHER INFORMATION

Item 2.

Legal Proceedings.

Navient Corporation (“Navient”) has been named as defendant in a number of putative class action and other cases alleging violations of various state and federal consumer protection laws including the Telephone Consumer Protection Act, the Consumer Financial Protection Act of 2010 (CFPA), the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), in adversarial proceedings under the United States Bankruptcy Code, and various state consumer protection laws. At this point in time, Navient is unable to anticipate the timing of a resolution or the impact that these legal proceedings may have on its consolidated financial position, liquidity, results of operation or cash flows. As a result, it is not possible at this time to estimate a range of potential exposure, if any, for amounts that may be payable in connection with these matters and loss contingency accruals have not been established. It is possible that an adverse ruling or rulings may have a material adverse impact on Navient, Navient Solutions and/or their affiliates or on the financial ability of the depositor, the servicer or a seller to fulfill an obligation to purchase or repurchase trust student loans in connection with a breach of representation, warranty or covenant.

The following is disclosure received from Deutsche Bank National Trust Company and Deutsche Bank Trust Company Americas. Deutsche Bank National Trust Company (“DBNTC”) and Deutsche Bank Trust Company Americas (“DBTCA”) have been sued by investors in civil litigation concerning their role as trustees for certain residential (“RMBS”) trusts.

On ~~November~~December 730, ~~2014~~2015, ~~the~~IKB ~~National~~International, ~~Credit~~S.A. ~~Union~~in ~~Administration~~Liquidation ~~Board~~and IKB Deutsche Industriebank A.G. (collectively, “~~NCUA~~IKB”), as an investor in ~~121~~37 RMBS trusts, filed a ~~complaint~~summons with notice in the ~~U.S.~~Supreme ~~District~~ Court ~~for~~of the ~~Southern~~State ~~District~~ of New York, ~~against~~New ~~DBNTC~~York ~~as trustee of those trusts~~County, ~~alleging~~ ~~violations~~ against ofDBNTC ~~the~~and ~~U.S.~~DBTCA ~~Trust~~as ~~Indenture~~trustees ~~Act~~ of ~~1939 (“TIA”) and~~ the ~~New York Streit Act (“Streit Act”) for DBNTC’s alleged failure to perform certain purported statutory and contractual duties~~trusts. On ~~March~~May 527, ~~2015~~2016, ~~NCUA~~IKB ~~amended~~served its complaint toasserting ~~assert~~ claims asfor anbreach ~~investor~~of incontract, 97breach of ~~the~~fiduciary ~~121~~duty, ~~RMBS~~breach ~~trusts~~of ~~that~~duty ~~were~~to ~~the~~avoid ~~subject~~conflicts of ~~its~~interest, ~~first~~violation ~~complaint. The amended complaint alleged violations~~ of the ~~TIA and~~ Streit Act, asviolation ~~well as breach~~ of the ~~contract~~TIA, ~~breach~~violation of ~~fiduciary~~Regulation ~~duty~~AB, ~~breach~~and violation of ~~the~~Section ~~covenant~~9 of ~~good~~ ~~faith,~~the ~~negligence,~~Uniform ~~gross~~Commercial ~~negligence and negligent misrepresentation~~Code. ~~NCUA’s~~IKB ~~complaint~~alleges ~~alleged~~ that ~~the~~DBNTC ~~trusts~~and atDBTCA ~~issue~~are ~~suffered~~liable ~~total~~for ~~realized~~over ~~collateral losses of~~ U.S. $~~17.2~~268 ~~billion,~~million ~~but~~in ~~the~~damages. ~~complaint~~On ~~did~~October ~~not~~5, ~~include~~2016, aDBNTC ~~demand~~and ~~for~~DBTCA, ~~money~~together ~~damages in~~with aseveral ~~sum~~other trustees ~~certain.~~defending Onlawsuits ~~May~~by 1IKB, ~~2015, DBNTC~~ filed a joint motion to dismiss ~~the amended complaint~~. On ~~July~~January 316, ~~2018~~2017, ~~the~~IKB ~~court~~filed ~~issued~~a annotice ~~order~~of ~~that~~discontinuance, ~~among~~voluntarily ~~other~~dismissing ~~things,~~with ~~denied~~prejudice ~~DBNTC’s~~all ~~motion~~claims toas ~~dismiss without prejudice~~ to ~~its~~three ~~renewal~~trusts. On ~~August~~June 3120, ~~2018~~2017, ~~NCUA~~ ~~filed a letter informing~~ the ~~court~~parties ~~that~~filed ita ~~intended~~stipulation, voluntarily ~~to: (i)~~dismissing ~~drop~~with prejudice all ~~of its~~ claims as to 60four ofadditional ~~the 97~~ trusts. atOn ~~issue;~~January ~~(ii) drop its claims as to certain~~27, ~~but not all~~2021, ~~certificates~~the ~~for~~court 3granted ~~additional~~in ~~trusts;~~part and ~~(iii)~~denied ~~move~~in ~~for~~part ~~leave~~DBNTC toand ~~file~~DBTCA’s ~~an amended~~motion ~~complaint bringing claims as~~ to ~~the remaining 37 trusts at issue~~dismiss. On ~~October~~The 5,court ~~2018,~~granted ~~NCUA~~the ~~filed~~motion ato ~~motion~~dismiss ~~for~~with ~~leave~~respect to ~~file~~IKB’s claims afor ~~second~~violations ~~amended~~of ~~complaint~~the ~~that~~Streit ~~asserted~~Act, ~~claims~~Regulation asAB, toand ~~only~~Section 379 of the 97Uniform ~~trusts~~Commercial ~~that~~Code, ~~were~~as ~~originally~~well atas ~~issue,~~certain ~~and added~~aspects ~~new~~of IKB’s claims for abreach ~~declaratory~~of ~~judgment~~contract, ~~and~~ breach of ~~contract~~fiduciary ~~arising~~duty, ~~out~~and violation of the ~~payment~~TIA. ~~from~~The ~~trust~~court ~~funds~~denied the remainder of ~~DBNTC~~the motion to dismiss. IKB’s ~~legal~~remaining ~~fees~~claims ~~and~~for ~~expenses~~breach inof ~~NCUA’s~~contract, ~~action~~breach ~~and~~of infiduciary ~~other~~duty, ~~actions~~breach ~~brought~~of byduty ~~investors~~to ~~against~~avoid ~~DBNTC~~conflicts ~~for~~of ~~alleged~~interest, ~~breaches~~and violation of ~~its duties~~the asTIA anwill ~~RMBS trustee~~proceed. On ~~November~~May 510, ~~2018~~2021, DBNTC and DBTCA filed a ~~motion~~notice toof appeal ~~stay~~with ~~NCUA’s~~the ~~new~~New ~~claims~~York ~~relating~~Supreme toCourt ~~payment~~Appellate ~~from~~Division, ~~trust~~First ~~funds~~Department, regarding certain aspects of ~~DBNTC~~the court’s ~~legal~~order ~~fees~~on ~~and~~the ~~expenses~~motion ~~and~~to ~~all related discovery~~dismiss. On ~~October~~May 1520, ~~2019~~2021, ~~the~~IKB ~~court: (i)~~filed ~~granted~~a innotice ~~part NCUA’s~~of ~~motion~~cross ~~for~~appeal ~~leave~~with respect to ~~file~~other aaspects ~~second~~of ~~amended~~that ~~complaint;~~order. On ~~and~~August ~~(ii)~~30, ~~granted~~2022, ~~DBNTC’s~~the ~~motion~~New toYork ~~stay~~Supreme ~~NCUA’s~~Court, ~~new~~Appellate ~~claims~~Division, ~~relating~~First toDepartment ~~payment~~affirmed ~~from~~in ~~trust~~part ~~funds~~and ofreversed ~~DBNTC’s~~in ~~legal~~part ~~fees~~the ~~and~~court’s ~~expenses~~order ~~and~~on ~~all~~the ~~related~~motion ~~discovery~~to dismiss. ~~The~~After ~~court~~DBNTC ~~permitted~~and ~~NCUA~~DBTCA toappealed ~~file a~~the ~~second~~First ~~amended~~Department’s ~~complaint~~decision, ~~asserting~~on ~~claims~~June ~~for: (i)~~15, 2023, ~~breach~~the New York Court of ~~contract~~Appeals ~~arising~~reversed ~~out~~the ofFirst ~~DBNTC~~Department’s ~~alleged~~decision ~~failure~~in topart, ~~perform~~dismissing certain ~~purported~~additional ~~statutory~~contract ~~and~~claims, ~~contractual~~as ~~duties;~~well ~~and~~as ~~(ii)~~IKB’s ~~declaratory~~claims ~~judgment~~for ~~and~~ breach of ~~contract~~fiduciary ~~arising~~duty ~~out~~and breach of ~~the payment~~duty ~~from~~to ~~trust~~avoid ~~funds~~conflicts of ~~DBNTC’s legal fees and expenses~~interest. ~~The~~On ~~court~~June ~~denied~~2, 2021, ~~NCUA’s~~IKB ~~request~~filed toa ~~assert~~motion ~~additional claims~~ for~~: (i)~~ ~~negligence~~re-argument ~~and~~regarding ~~gross~~certain ~~negligence;~~aspects ~~and~~of ~~(ii)~~the ~~breach~~court’s oforder ~~fiduciary~~on ~~duty. On~~the ~~October~~motion ~~21,~~to ~~2019~~dismiss, ~~NCUA~~which ~~filed~~the acourt ~~second~~denied ~~amended complaint~~on August 3, 2021. On ~~November~~May 1513, ~~2019~~2021, DBNTC and DBTCA filed an answer to the ~~second amended~~ complaint. On ~~June~~October 1128, 2021, the ~~NCUA~~parties filed a ~~third amended complaint~~stipulation, ~~the~~voluntarily ~~substance~~dismissing ofwith ~~which~~prejudice ~~was~~all ~~unchanged~~claims ~~from~~as ~~the~~to ~~second~~seven ~~amended~~additional ~~complaint~~trusts. On ~~July~~December 129, 2021, ~~DBNTC~~the parties filed ~~an answer~~a tostipulation, ~~the~~voluntarily ~~third~~dismissing ~~amended~~with ~~complaint~~prejudice all claims as to one additional trust. On ~~October~~April 522, ~~2021~~2022, ~~NCUA~~the parties filed a ~~fourth~~stipulation, ~~amended~~voluntarily ~~complaint,~~dismissing ~~the~~with ~~substance~~prejudice ofall ~~which~~claims ~~was~~as ~~unchanged~~to ~~from~~17 ~~the~~certificates ~~third~~at ~~amended~~issue, ~~complaint~~including all claims as to 5 trusts. On ~~October~~February 2528, ~~2021~~2023, ~~DBNTC~~the parties filed ana ~~answer~~stipulation, voluntarily dismissing with prejudice all claims as to ~~the~~two ~~fourth~~trusts, ~~amended~~leaving ~~complaint~~15 trusts at issue. On ~~February~~ 4November 21, ~~2022~~2023, the parties filed a stipulation, ~~in which NCUA agreed to~~ voluntarily ~~dismiss~~dismissing with prejudice all claims as to 19three trusts, leaving 12 trusts at issue. On ~~February~~November 2814, ~~2022~~2024, DBNTC ~~both~~and ~~parties~~DBTCA filed ~~motions~~a motion for summary judgment. Also on November 14, 2024, IKB filed a motion for partial summary judgment. On August 1511, 2025, the court granted in part and denied in part ~~both~~certain ~~motions,~~aspects ~~and~~of onboth motions. On October 920, 2025, the court ~~entered~~resolved the ~~parties’~~remainder ~~stipulation~~of ~~dismissing~~both motions and dismissed certain additional claims. ~~based~~All onparties have filed notices of appeal with respect to certain aspects of the court’s summary judgment ~~decision~~orders. ~~Discovery is ongoing.~~

It is DBNTC’s and DBTCA’s belief that it has no pending legal proceedings including, based on DBNTC’s and DBTCA’s current evaluation, the litigation disclosed in the foregoing above that would materially affect its ability to perform its duties as Trustee under the Indenture for this transaction.

Item 3.

Sales of Securities and Use of Proceeds. None.

Item 4.

Defaults Upon Senior Securities. None.

Item 5.

Submission of Matters to a Vote of Security Holders. None.

Item 6.

Significant Obligors of Pool Assets. No updates to report.

Item 7.

Change in Sponsor Interest in the Securities. None.

Item 8.

Significant Enhancement Provider Information. No updates to report.

Item 9.

Other Information. None.

Item 10.

Exhibits.

(a) 99.1 Monthly Distribution Report for SLM Student Loan Trust 2013-3 in relation to the distribution for ~~November~~December 2025.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Trust has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated: December 8, 2025	SLM STUDENT LOAN TRUST 2013-3
Dated: January 8, 2026	SLM STUDENT LOAN TRUST 2013-3
	By:	NAVIENT SOLUTIONS, LLC, the Administrator
	By:	/s/ MAI LE-CAO
	Name:	Mai Le-Cao
	Title:	Managing Director

INDEX TO EXHIBITS

Exhibit Number		Exhibit
99.1		Monthly Distribution Report for SLM Student Loan Trust 2013-3 in relation to the distribution for ~~November~~December 2025.

Filing Compare · SLM Student Loan Trust 2013-3