Operator
Ladies and gentlemen, thank you for standing by, and welcome to the Sallie Mae 2020 Q4 Earnings Call. [Operator Instructions] After the speakers presentation there will be a question-and-answer session. [Operator Instructions]
I would now like to hand the conference over to Mr. Brian Cronin, Vice President of Investor Relations. Please go ahead, sir.
Brian J. Cronin
Vice President, Investor Relations
Thank you, Angel. Good morning, and welcome to Sallie Mae s Fourth Quarter 2020 Earnings Call. It is my pleasure to be here today with Jon Witter, our CEO; and Steve McGarry, our CFO. After the prepared remarks, we will open up the call for questions.