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      "text": "Embracing a Hybrid Hold / Sell Loan Model: Selling assets to optimize growth in required capital; The expected result is a balance sheet that will remain relatively flat despite loan sales; $2B in Private Education Loan sales completed on May 3, 2023",
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      "text": "Invest in High ROE Growth: Continue to focus on high-quality Private Education Loan originations, including deeper penetration of graduate school market; Build other sources of revenue and capital in expense-efficient ways",
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