UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): January 1321, 2026

SLM Student Loan Trust 2005-5

(Exact name of issuer as specified in its charter)

DELAWARE	333- 103545/ 333-103545-03	04-3480392
(State or other jurisdiction of formation)	(Commission File Numbers)	(I.R.S. Employer Identification Number)

c/o Deutsche Bank Trust Company Americas ~~1761 East St. Andrew Place Santa Ana, CA 92705 (Address of principal executive offices)~~

1761 East St. Andrew Place

Santa Ana, CA 92705

(Address of principal executive offices)

Registrant’s telephone number including area code: (703) 984-5858

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financing account standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading symbol(s)	Name of each exchange on which registered
Not Applicable	Not Applicable	Not Applicable

Exhibit Index appears on page 3

Item 8.01

Other Events

On January 1326, 2026, ~~Navient~~the ~~Solutions,~~terms ~~LLC,~~of ~~in its capacity as administrator, furnished to~~ the ~~applicable~~class ~~remarketing~~A-5 ~~agents~~notes ~~a preliminary remarketing memorandum~~ (the “~~Remarketing Memorandum~~Notes”) ~~for~~issued ~~distribution~~by ~~to certain qualified institutional buyers for purposes of remarketing the~~ SLM Student Loan Trust 2005-5 ~~Class~~are ~~A-5~~scheduled ~~Reset~~to ~~Rate~~be ~~Notes. The~~reset ~~Remarketing~~from ~~Memorandum~~their current isterms, ~~attached~~in asaccordance ~~an exhibit~~with tothe ~~this~~terms ~~current~~of ~~report~~the related indenture and remarketing agreement.

~~Item~~Pursuant 9to the remarketing process, the new spread on the Notes was required to be determined by no later than 3:00 P.01M., ~~Financial~~New ~~Statements~~York City time, ~~Pro~~on January ~~Forma~~21, ~~Financial~~2026. However, ~~Statements~~sufficient committed purchasers were not obtained for all of the tendered Notes at the spread proposed by the remarketing agent. As a result, a failed remarketing has been declared. Consequently, all existing class A-5 noteholders will be required to retain their Notes on the reset date. The related interest rate for the Notes will be the failed remarketing rate which is equal to the SOFR Rate plus 0.75% per annum and ~~Exhibits~~the related reset period will be three months. As such, the next applicable reset date will be April 27, 2026.

(a) Not applicable

(b) Not applicable

(d) Exhibits

99.1 Remarketing Memorandum for SLM Student Loan Trust 2005-5 dated as of January 13, 2026.

SIGNATURES

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

SLM STUDENT LOAN TRUST 2005-5 By: NAVIENT SOLUTIONS, LLC, in its capacity as administrator of the Trust

	SLM STUDENT LOAN TRUST 2005-5

	By: NAVIENT SOLUTIONS, LLC, in its capacity as administrator of the Trust

Dated: January 21, 2026	By:	/s/ Mai Le-Cao

Dated: January 13, 2026 By: /s/ Mai Le-Cao

	Name:	Mai Le-Cao
	Title:	Managing Director

SLM STUDENT LOAN TRUST 2005-5

Form 8-K

CURRENT REPORT

INDEX TO EXHIBITS

Exhibit Number	Description
99.1	Remarketing Memorandum for SLM Student Loan Trust 2005-5 dated January 13, 2026.

Filing Compare · SLM Student Loan Trust 2005-5