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| SERVICING CRITERIA                       | APPLICABLE SERVICING CRITERIA                                                                                                                                                                                                                                                                                                                                                                | INAPPLICABLE SERVICING CRITERIA1 |
|------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------|
| Reference                                | Criteria                                                                                                                                                                                                                                                                                                                                                                                     | Performed by Asserting Party2    | Performed by third-party servicers3 |   |
|  General Servicing Consideration    |                                                                                                                                                                                                                                                                                                                                                                                         |                             |   |
| 1122(d)(1)(i)                            | Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements.                                                                                                                                                                                                                                | X                                | X | Y |
| 1122(d)(1)(ii)                           | If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party’s performance and compliance with such servicing activities.                                                                                                                                                                              | X                                | X |   |
| 1122(d)(1)(iii)                          | Any requirements in the transaction agreements to maintain a back-up servicer for the trust student loans are maintained.                                                                                                                                                                                                                                                               |                             |   | Z |
| 1122(d)(1)(iv)                           | A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and otherwise in accordance with the terms of the transaction agreements.                                                                                                                       | X                                | X |   |
| 1122(d)(1)(v)                            | Aggregation of information, as applicable, is mathematically accurate and the information conveyed accurately reflects the information.                                                                                                                                                                                                                                                 | X                                | X |   |
|  Cash Collection and Administration |                                                                                                                                                                                                                                                                                                                                                                                         |                             |   |
| 1122(d)(2)(i)                            | Payments on trust student loans are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of days specified in the transaction documents.                                                                                                                                    | X                                | X |   |
| 1122(d)(2)(ii)                           | Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel.                                                                                                                                                                                                                                                                   |                             | X | Z |
| 1122(d)(2)(iii)                          | Advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or other fees charged for such advances, are made, reviewed and approved as specified in the transaction agreements.                                                                                                                                                               |                             |   | Z |
| 1122(d)(2)(iv)                           | The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of overcollateralization, are separately maintained (e.g. with respect to commingling of cash) as set forth in the transaction agreements.                                                                                                                                    |   X                    |   X |   Y |
| 1122(d)(2)(v)                            | Each custodial account is maintained at a federally insured depository institution as set forth in the transaction agreements.  For purposes of this criterion, “federally insured depository institutions” with respect to a foreign financial institution means a foreign financial that meets the requirements of Rule 13k-1(b)(1) of the Securities Exchange Act.  |   X                    |   X |   Y |

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| SERVICING CRITERIA                       | APPLICABLESERVICING CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | INAPPLICABLESERVICING CRITERIA |
|------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------|
| Reference                                | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | Performed byAsserting Party    | Performed bythird-party servicers |   |
| 1122(d)(2)(vi)                           | Un-issued checks are safeguarded so as to prevent unauthorized access.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |                           |   | Z |
| 1122(d)(2)(vii)                          | Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts.  These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction agreements.                                         | X                              | X | Y |
|  Investor Remittances and Reporting |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                           |   |
| 1122(d)(3)(i)                            | Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements.  Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors’ or the trustee’s records as to the total unpaid principal balance and number of student loans serviced by the Servicer.  | X                              | X | Y |
| 1122(d)(3)(ii)                           | Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth in the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | X                              | X | Y |
| 1122(d)(3)(iii)                          | Disbursements made to an investor are posted within two business days to the Servicer’s investor records, or such other number of days specified in the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                           | X | Z |
| 1122(d)(3)(iv)                           | Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | X                              | X | Y |

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| SERVICING CRITERIA | APPLICABLESERVICING CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 | INAPPLICABLESERVICING CRITERIA |
|--------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------|
| Reference          | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | Performed byAsserting Party    | Performed bythird-party servicers |   |
|               | Pool Asset Administration                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |                           |   |   |
| 1122(d)(4)(i)      | Collateral or security on student loans is maintained as required by the transaction documents or related student loan documents.                                                                                                                                                                                                                                                                                                                                                                                       | X                              | X |   |
| 1122(d)(4)(ii)     | Student loan and related documents are safeguarded as required by the transaction documents.                                                                                                                                                                                                                                                                                                                                                                                                                            | X                              | X |   |
| 1122(d)(4)(iii)    | Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or requirements in the transaction documents.                                                                                                                                                                                                                                                                                                                                              | X                              | X | Y |
| 1122(d)(4)(iv)     | Payments on student loans, including any payoffs, made in accordance with the related student loan documents are posted to the Servicer’s obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction documents, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related student loan documents.                                                                                                 | X                              | X |   |
| 1122(d)(4)(v)      | The Servicer’s records regarding the student loans agree with the Servicer’s records with respect to an obligor’s unpaid principal balance.                                                                                                                                                                                                                                                                                                                                                           | X                              | X |   |
| 1122(d)(4)(vi)     | Changes with respect to the terms or status of an obligor's student loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction documents and related pool asset documents.                                                                                                                                                                                                                                                                | X                              | X |   |
| 1122(d)(4)(vii)    | Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other requirements established by the transaction documents.                                                                                                                                                                                                                   | X                              | X |   |
| 1122(d)(4)(viii)   | Records documenting collection efforts are maintained during the period a student loan is delinquent in accordance with the transaction documents. Such records are maintained on at least a monthly basis, or such other period specified in the transaction documents, and describe the entity’s activities in monitoring delinquent student loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment).  | X                              | X |   |
| 1122(d)(4)(ix)     | Adjustments to interest rates or rates of return for student loans with variable rates are computed based on the related student loan documents.                                                                                                                                                                                                                                                                                                                                                                        | X                              | X |   |

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| SERVICING CRITERIA | APPLICABLESERVICING CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | INAPPLICABLESERVICING CRITERIA |
|--------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------|
| Reference          | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | Performed byAsserting Party    | Performed bythird-party servicers |   |
| 1122(d)(4)(x)      | Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor’s student loan documents, on at least an annual basis, or such other period specified in the transaction documents; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable student loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related student loans, or such other number of days specified in the transaction documents.  |                           |   | Z |
| 1122(d)(4)(xi)     | Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the transaction documents.                                                                                                                                                                                                   |                           |   | Z |
| 1122(d)(4)(xii)    | Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the servicer’s funds and not charged to the obligor, unless the late payment was due to the obligor’s error or omission.                                                                                                                                                                                                                                                                                                                                                  |                           |   | Z |
| 1122(d)(4)(xiii)   | Disbursements made on behalf of an obligor are posted within two business days to the obligor’s records maintained by the servicer, or such other number of days specified in the transaction documents.                                                                                                                                                                                                                                                                                                                                                                                   |                           |   | Z |
| 1122(d)(4)(xiv)    | Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction documents.                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | X                              | X |   |
| 1122(d)(4)(xv)     | Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained as set forth in the transaction documents.                                                                                                                                                                                                                                                                                                                                                                                                                     | X                              | X | Y |

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| Trust Name:                                  | Date of Issuance:  |
|----------------------------------------------|--------------------|
| SLM Student Loan Trust 2006-1                | January 26, 2006   |
| SLM Student Loan Trust 2006-2                | February 23, 2006  |
| SLM Student Loan Trust 2006-3                | March 9, 2006      |
| SLM Student Loan Trust 2006-4                | April 20, 2006     |
| SLM Student Loan Trust 2006-5                | June 21, 2006      |
| SLM Student Loan Trust 2006-6                | July 20, 2006      |
| SLM Student Loan Trust 2006-7                | August 10, 2006    |
| SLM Student Loan Trust 2006-8                | September 14, 2006 |
| SLM Student Loan Trust 2006-9                | October 12, 2006   |
| SLM Student Loan Trust 2006-10               | November 30, 2006  |
| SLM Private Credit Student Loan Trust 2006-A | April 6, 2006      |
| SLM Private Credit Student Loan Trust 2006-B | June 8, 2006       |
| SLM Private Credit Student Loan Trust 2006-C | September 28, 2006 |
| SLM Student Loan Trust 2007-1                | January 25, 2007   |
| SLM Student Loan Trust 2007-2                | February 22, 2007  |
| SLM Student Loan Trust 2007-3                | March 15, 2007     |
| SLM Student Loan Trust 2007-4                | April 5, 2007      |
| SLM Student Loan Trust 2007-5                | July 19, 2007      |
| SLM Student Loan Trust 2007-6                | October 23, 2007   |
| SLM Student Loan Trust 2007-7                | November 8, 2007   |
| SLM Student Loan Trust 2007-8                | December 6, 2007   |
| SLM Private Credit Student Loan Trust 2007-A | March 29, 2007     |
| SLM Student Loan Trust 2008-1                | January 17, 2008   |
| SLM Student Loan Trust 2008-2                | February 7, 2008   |
| SLM Student Loan Trust 2008-3                | February 28, 2008  |
| SLM Student Loan Trust 2008-4                | April 17, 2008     |
| SLM Student Loan Trust 2008-5                | April 30, 2008     |
| SLM Student Loan Trust 2008-6                | June 12, 2008      |
| SLM Student Loan Trust 2008-7                | July 2, 2008       |
| SLM Student Loan Trust 2008-8                | August 5, 2008     |
| SLM Student Loan Trust 2008-9                | August 28, 2008    |
| SLM Student Loan Trust 2009-1                | April 9, 2009      |
| SLM Student Loan Trust 2009-2                | April 21, 2009     |
| SLM Student Loan Trust 2010-1                | April 15, 2010     |
| SLM Student Loan Trust 2010-2                | August 26, 2010    |
| SLM Student Loan Trust 2011-1                | March 3, 2011      |
| SLM Student Loan Trust 2011-2                | May 26, 2011       |
| SLM Student Loan Trust 2011-3                | November 18, 2011  |
| SLM Student Loan Trust 2012-1                | January 19, 2012   |
| SLM Student Loan Trust 2012-2                | March 15, 2012     |

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| SLM Student Loan Trust 2012-3           | May 3, 2012        |
|-----------------------------------------|--------------------|
| SLM Student Loan Trust 2012-5           | July 19, 2012      |
| SLM Student Loan Trust 2012-6           | September 20, 2012 |
| SLM Student Loan Trust 2012-7           | November 8, 2012   |
| SLM Student Loan Trust 2013-1           | February 14, 2013  |
| SLM Student Loan Trust 2013-2           | April 11, 2013     |
| SLM Student Loan Trust 2013-3           | June 20, 2013      |
| SLM Student Loan Trust 2013-4           | August 15, 2013    |
| SLM Student Loan Trust 2013-5           | September 19, 2013 |
| SLM Student Loan Trust 2013-6           | November 14, 2013  |
| SLM Student Loan Trust 2014-1           | January 28, 2014   |
| SLM Student Loan Trust 2014-2           | March 27, 2014     |
| Navient Student Loan Trust 2014-1       | May 29, 2014       |
| Navient Student Loan Trust 2014-2       | August 14, 2014    |
| Navient Student Loan Trust 2014-3       | August 14, 2014    |
| Navient Student Loan Trust 2014-4       | August 14, 2014    |
| Navient Student Loan Trust 2014-5       | August 14, 2014    |
| Navient Student Loan Trust 2014-6       | August 14, 2014    |
| Navient Student Loan Trust 2014-7       | August 14, 2014    |
| Navient Student Loan Trust 2014-8       | November 25, 2014  |
| Navient Student Loan Trust 2015-1       | February 26, 2015  |
| Navient Student Loan Trust 2015-2       | April 23, 2015     |
| Navient Student Loan Trust 2015-3       | June 18, 2015      |
| SLC Student Loan Trust 2004-1           | November 23, 2004  |
| SLC Student Loan Trust 2005-1           | June 15, 2005      |
| SLC Student Loan Trust 2005-2           | September 28, 2005 |
| SLC Student Loan Trust 2005-3           | December 15, 2005  |
| SLC Student Loan Trust 2006-1           | June 28, 2006      |
| SLC Student Loan Trust 2006-2           | September 19, 2006 |
| SLC Student Loan Trust 2007-1           | June 26, 2007      |
| SLC Student Loan Trust 2007-2           | November 27, 2007  |
| SLC Student Loan Trust 2008-1           | March 28, 2008     |
| SLC Student Loan Trust 2008-2           | June 26, 2008      |
| SLC Student Loan Trust 2009-1           | February 13, 2009  |
| SLC Student Loan Trust 2009-2           | July 23, 2009      |
| SLC Student Loan Trust 2009-3           | December 22, 2009  |
| SLC Student Loan Trust 2010-1           | July 6, 2010       |
| SMB Private Education Loan Trust 2014-A | August 7, 2014     |

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