Exhibit 99.1

ANNEX A

THE TRUST STUDENT LOAN POOL

The Trust Student Loan Pool as of January 31, 2026

The trust student loans owned by the trust were originally selected from a portfolio of consolidation student loans (and in the case of additional trust student loans, FFELP loans including consolidation and non-consolidation loans) owned by the Student Loan Marketing Association, SLM ECFC or one of their affiliates by employing several criteria, including requirements that each trust student loan as of the statistical cutoff date (and with respect to each additional trust student loan as of its related subsequent cutoff date):

•

was guaranteed as to principal and interest by a guaranty agency under a guarantee agreement and the guaranty agency was, in turn, reinsured by the Department of Education in accordance with the FFELP;

•

was originated in the United States, its territories or its possessions in accordance with the FFELP;

•

contained terms in accordance with those required by the FFELP, the guarantee agreements and other applicable requirements;

•

provided for periodic payments that will fully amortize the amount financed over its term to maturity, exclusive of any deferral or forbearance periods;

•

was more than 120 days past the final disbursement;

•

was not more than 210 days past due;

•

did not have a borrower who was noted in the related records of the servicer as being currently involved in a bankruptcy proceeding; and

•

had special allowance payments, if any, based on the three-month commercial paper rate or the 91-day Treasury bill rate.

No trust student loan as of the original cutoff date was subject to the depositor’s or the Student Loan Marketing Association’s prior obligation to sell that loan to a third party. The Student Loan Marketing Association was dissolved on December 31, 2004 and all of its obligations were assumed by its affiliate, Navient Credit Finance Corporation.

Unless otherwise specified, all information with respect to the trust student loans is presented as of January 31, 2026, which is the statistical disclosure date.

The following tables provide a description of specified characteristics of the trust student loans as of the statistical disclosure date. The aggregate outstanding principal balance of the loans in each of the following tables includes the principal balance due from borrowers, plus accrued interest of $1,217,726 to be capitalized as of the statistical disclosure date. Percentages and dollar amounts in any table may not total 100% or whole dollars due to rounding. The following tables also contain information concerning the total number of loans and total number of borrowers in the portfolio of trust student loans. For ease of administration, the servicer separates a consolidation loan on its system into two separate loan segments representing subsidized and unsubsidized segments of the same loan. The following tables reflect those loan segments within the number of loans. In addition, 3 borrowers have more than one trust student loan.

The distribution by weighted average interest rate applicable to the trust student loans on any date following the statistical disclosure date may vary significantly from that in the following tables as a result of variations in the effective rates of interest applicable to the trust student loans and in rates of principal reduction. Moreover, the information below about the weighted average remaining term to maturity of the trust student loans as of the statistical disclosure date may vary significantly from the actual term to maturity of any of the trust student loans as a result of prepayments or the granting of deferment and forbearance periods.

The following tables also contain information concerning the total number of loans and the total number of borrowers in the portfolio of trust student loans.

Percentages and dollar amounts in any table may not total 100% of the trust student loan balance, as applicable, due to rounding.

COMPOSITION OF THE TRUST STUDENT LOANS AS OF

THE STATISTICAL DISCLOSURE DATE

Aggregate Outstanding Principal Balance	$	206,305,786
Aggregate Outstanding Principal Balance – Treasury Bill	$	31,439,169
Percentage of Aggregate Outstanding Principal Balance – Treasury Bill		15.24	%
Aggregate Outstanding Principal Balance – 30-day Average SOFR	$	174,866,617
Percentage of Aggregate Outstanding Principal Balance – 30-day Average SOFR		84.76	%
Number of Borrowers		5,055
Average Outstanding Principal Balance Per Borrower	$	40,812
Number of Loans		9,042
Average Outstanding Principal Balance Per Loan – Treasury Bill	$	47,206
Average Outstanding Principal Balance Per Loan – 30-day Average SOFR	$	20,877
Weighted Average Remaining Term to Scheduled Maturity	191 months
Weighted Average Annual Interest Rate		6.24	%

We determined the weighted average remaining term to maturity shown in the table from the statistical disclosure date to the stated maturity date of the applicable trust student loan without giving effect to any deferment or forbearance periods that may be granted in the future. See Appendix A to the preliminary remarketing memorandum.

The weighted average annual borrower interest rate shown in the table is exclusive of special allowance payments. The weighted average spread for special allowance payments to the 91-day Treasury bill rate was 3.10% as of the statistical disclosure date.

The weighted average spread for special allowance payments to the 30-day Average SOFR rate was 2.64% as of the statistical disclosure date. See “Special Allowance Payments” in Appendix A to the preliminary remarketing memorandum.

For these purposes, the 91-day Treasury bill rate is the weighted average per annum discount rate, expressed on a bond equivalent basis and applied on a daily basis, for direct obligations of the United States with a maturity of thirteen weeks, as reported by the United States Department of the Treasury.

DISTRIBUTION OF THE TRUST STUDENT LOANS

BY BORROWER INTEREST RATES AS OF THE STATISTICAL

DISCLOSURE DATE

Interest Rates	Number of Loans		Aggregate Outstanding Principal Balance		Percent of Pool by Outstanding Principal Balance
Less than or equal to 3.00%		1	$	29,121		*
3.01% to 3.50%		688		7,808,787		3.8	%
3.51% to 4.00%		862		14,229,106		6.9
4.01% to 4.50%		1,683		23,693,721		11.5
4.51% to 5.00%		1,889		32,253,614		15.6
5.01% to 5.50%		434		7,831,660		3.8
5.51% to 6.00%		421		8,335,027		4.0
6.01% to 6.50%		730		16,348,092		7.9
6.51% to 7.00%		642		18,588,322		9.0
7.01% to 7.50%		322		11,692,580		5.7
7.51% to 8.00%		555		22,649,948		11.0
8.01% to 8.50%		627		28,732,205		13.9
Equal to or greater than 8.51%		188		14,113,602		6.8
Total		9,042	$	206,305,786		100.0	%

* Represents a percentage greater than 0% but less than 0.05%

We determined the interest rates shown in the table above using the interest rates applicable to the trust student loans as of the statistical disclosure date. Because trust student loans with different interest rates are likely to be repaid at different rates, this information is not likely to remain applicable to the trust student loans after the statistical disclosure date. See Appendix A to the preliminary remarketing memorandum and “The Student Loan Pools – Sallie Mae’s Student Loan Financing Business” in the original prospectus.

2003-7

DISTRIBUTION OF THE TRUST STUDENT LOANS BY

OUTSTANDING PRINCIPAL BALANCE PER BORROWER

AS OF THE STATISTICAL DISCLOSURE DATE

Range of Outstanding Principal Balance		Number of Borrowers		Aggregate Outstanding Principal Balance		Percent of Pool by Outstanding Principal Balance
Less than $5,000.00			835	$	2,168,323		1.1	%
$	5,000.00-$ 9,999.99		616		4,496,555		2.2
$	10,000.00-$14,999.99		539		6,689,603		3.2
$	15,000.00-$19,999.99		406		7,077,709		3.4
$	20,000.00-$24,999.99		358		8,010,458		3.9
$	25,000.00-$29,999.99		303		8,291,154		4.0
$	30,000.00-$34,999.99		271		8,781,984		4.3
$	35,000.00-$39,999.99		231		8,636,725		4.2
$	40,000.00-$44,999.99		169		7,192,628		3.5
$	45,000.00-$49,999.99		130		6,143,758		3.0
$	50,000.00-$54,999.99		119		6,248,071		3.0
$	55,000.00-$59,999.99		135		7,748,188		3.8
$	60,000.00-$64,999.99		88		5,526,412		2.7
$	65,000.00-$69,999.99		84		5,655,756		2.7
$	70,000.00-$74,999.99		76		5,509,092		2.7
$	75,000.00-$79,999.99		47		3,622,973		1.8
$	80,000.00-$84,999.99		48		3,947,450		1.9
$	85,000.00-$89,999.99		42		3,677,868		1.8
$	90,000.00-$94,999.99		47		4,350,269		2.1
$	95,000.00-$99,999.99		52		5,068,913		2.5
$100,000.00 and above			459		87,461,897		42.4
Total			5,055	$	206,305,786		100.0	%

DISTRIBUTION OF THE TRUST STUDENT LOANS

BY DELINQUENCY STATUS AS OF THE

STATISTICAL DISCLOSURE DATE

Number of Days Delinquent	Number of Loans		Aggregate Outstanding Principal Balance		Percent of Pool by Outstanding Principal Balance
0-30 days		8,367	$	181,741,959		88.1	%
31-60 days		199		7,448,477		3.6
61-90 days		123		3,809,607		1.8
91-120 days		81		3,374,085		1.6
121-150 days		59		2,484,537		1.2
151-180 days		40		2,013,606		1.0
181-210 days		21		740,232		0.4
Greater than 210 days		152		4,693,282		2.3
Total		9,042	$	206,305,786		100.0	%

2003-7

DISTRIBUTION OF THE TRUST STUDENT LOANS

BY REMAINING TERM TO SCHEDULED MATURITY

AS OF THE STATISTICAL DISCLOSURE DATE

Number of Months Remaining to Scheduled Maturity	Number of Loans		Aggregate Outstanding Principal Balance		Percent of Pool by Outstanding Principal Balance
0 to 3		53	$	35,950		*
4 to 12		245		307,563		0.1	%
13 to 24		832		2,038,188		1.0
25 to 36		600		2,433,851		1.2
37 to 48		441		2,638,245		1.3
49 to 60		429		3,651,448		1.8
61 to 72		381		4,364,628		2.1
73 to 84		1,150		12,596,947		6.1
85 to 96		593		9,035,888		4.4
97 to 108		439		7,887,602		3.8
109 to 120		436		9,038,076		4.4
121 to 132		528		13,547,738		6.6
133 to 144		441		11,757,997		5.7
145 to 156		328		10,930,527		5.3
157 to 168		259		9,050,415		4.4
169 to 180		202		6,521,806		3.2
181 to 192		199		6,691,025		3.2
193 to 204		157		6,182,750		3.0
205 to 216		131		5,542,067		2.7
217 to 228		116		5,661,432		2.7
229 to 240		85		4,057,619		2.0
241 to 252		85		3,755,095		1.8
253 to 264		82		4,368,119		2.1
265 to 276		70		3,259,735		1.6
277 to 288		74		4,173,180		2.0
289 to 300		156		12,418,030		6.0
301 to 312		477		39,126,288		19.0
313 to 324		23		2,252,789		1.1
325 to 336		7		715,147		0.3
337 to 348		4		418,675		0.2
349 to 360		6		860,340		0.4
361 and above		13		986,626		0.5
Total		9,042	$	206,305,786		100.0	%

* Represents a percentage greater than 0% but less than 0.05%.

We have determined the number of months remaining to scheduled maturity shown in the table from the statistical disclosure date to the stated maturity date of the applicable trust student loan without giving effect to any deferment or forbearance periods that may be granted in the future. See Appendix A to the preliminary remarketing memorandum and “The Student Loan Pools – Sallie Mae’s Student Loan Financing Business” in the original prospectus.

2003-7

DISTRIBUTION OF THE TRUST STUDENT LOANS

BY CURRENT BORROWER PAYMENT STATUS

AS OF THE STATISTICAL DISCLOSURE DATE

Current Borrower Payment Status	Number of Loans		Aggregate Outstanding Principal Balance		Percent of Pool by Outstanding Principal Balance
Deferment		180	$	5,153,447		2.5	%
Forbearance		500		20,756,186		10.1
Repayment
First year in repayment		28		4,680,457		2.3
Second year in repayment		34		2,257,963		1.1
Third year in repayment		54		4,724,776		2.3
More than 3 years in repayment		8,246		168,732,956		81.8
Total		9,042	$	206,305,786		100.0	%

Current borrower payment status refers to the status of the borrower of each trust student loan as of the statistical disclosure date. The borrower:

•

may have temporarily ceased repaying the loan through a deferment or a forbearance period; or

•

may be currently required to repay the loan – repayment.

See Appendix A to the preliminary remarketing memorandum and “The Student Loan Pools – Sallie Mae’s Student Loan Financing Business” in the original prospectus.

The weighted average number of months in repayment for all trust student loans currently in repayment is approximately 163.5 calculated as the term to maturity at the commencement of repayment less the number of months remaining to scheduled maturity as of the statistical disclosure date.

2003-7

SCHEDULED WEIGHTED AVERAGE REMAINING MONTHS IN

STATUS OF THE TRUST STUDENT LOANS BY

CURRENT BORROWER PAYMENT STATUS AS OF THE

STATISTICAL DISCLOSURE DATE

	Scheduled Months in Status Remaining
Current Borrower Payment Status	Deferment	Forbearance	Repayment
Deferment	16.0	-	219.9
Forbearance	-	9.3	218.6
Repayment	-	-	185.6

We have determined the scheduled weighted average remaining months in status shown in the previous table without giving effect to any deferment or forbearance periods that may be granted in the future. Of the $5,153,447 aggregate outstanding principal balance of the trust student loans in deferment as of the statistical disclosure date, $3,424,915 or approximately 66.5% of such loans are to borrowers who had not graduated as of that date. We expect that a significant portion of these loans could qualify for additional deferments or forbearances at the end of their current deferment periods as the related borrowers continue their education beyond their current degree programs. As a result, the overall duration of any applicable deferment and forbearance periods as well as the likelihood of future deferment and forbearance periods within this pool of trust student loans is likely to be higher than in other pools of student loans without similar numbers of in-school consolidation loans. See Appendix A to the preliminary remarketing memorandum.

2003-7

GEOGRAPHIC DISTRIBUTION OF THE TRUST STUDENT LOANS

AS OF THE STATISTICAL DISCLOSURE DATE

State	Number of Loans		Aggregate Outstanding Principal Balance		Percent of Pool by Outstanding Principal Balance
Alabama		86	$	1,572,684		0.8	%
Alaska		6		176,554		0.1
Arizona		312		6,806,207		3.3
Arkansas		57		1,285,483		0.6
California		838		16,938,204		8.2
Colorado		163		3,578,647		1.7
Connecticut		123		2,055,120		1.0
Delaware		20		579,648		0.3
District of Columbia		23		547,612		0.3
Florida		870		30,132,932		14.6
Georgia		327		9,043,829		4.4
Hawaii		31		361,435		0.2
Idaho		38		799,274		0.4
Illinois		318		6,606,790		3.2
Indiana		544		12,958,633		6.3
Iowa		17		315,995		0.2
Kansas		115		2,025,108		1.0
Kentucky		97		2,104,730		1.0
Louisiana		349		7,002,365		3.4
Maine		46		2,053,182		1.0
Maryland		237		6,082,608		2.9
Massachusetts		227		3,004,926		1.5
Michigan		174		3,516,487		1.7
Minnesota		104		2,690,117		1.3
Mississippi		85		1,751,977		0.8
Missouri		162		2,864,134		1.4
Montana		14		243,468		0.1
Nebraska		24		332,167		0.2
Nevada		59		1,216,142		0.6
New Hampshire		67		1,563,560		0.8
New Jersey		217		3,438,129		1.7
New Mexico		27		717,009		0.3
New York		649		11,851,042		5.7
North Carolina		248		5,713,251		2.8
North Dakota		5		284,224		0.1
Ohio		58		1,821,794		0.9
Oklahoma		135		2,813,713		1.4
Oregon		98		1,828,564		0.9
Pennsylvania		268		5,073,683		2.5
Rhode Island		21		341,467		0.2
South Carolina		134		4,199,611		2.0
South Dakota		10		174,054		0.1
Tennessee		133		3,973,480		1.9
Texas		797		18,218,942		8.8
Utah		37		880,933		0.4
Vermont		19		558,343		0.3
Virginia		258		5,655,998		2.7
Washington		208		3,734,280		1.8
West Virginia		48		1,170,883		0.6
Wisconsin		70		1,437,685		0.7
Wyoming		2		20,488		*
Other		67		2,188,195		1.1
Total		9,042	$	206,305,786		100.0	%

* Represents a percentage greater than 0% but less than 0.05%.

2003-7

We have based the geographic distribution shown in the table on the billing addresses of the borrowers of the trust student loans shown on the servicer’s records as of the statistical disclosure date.

Each of the trust student loans provides or will provide for the amortization of its outstanding principal balance over a series of regular payments. Except as described below, each regular payment consists of an installment of interest which is calculated on the basis of the outstanding principal balance of the trust student loan. The amount received is applied first to interest accrued to the date of payment and the balance of the payment, if any, is applied to reduce the unpaid principal balance. Accordingly, if a borrower pays a regular installment before its scheduled due date, the portion of the payment allocable to interest for the period since the preceding payment was made will be less than it would have been had the payment been made as scheduled, and the portion of the payment applied to reduce the unpaid principal balance will be correspondingly greater. Conversely, if a borrower pays a monthly installment after its scheduled due date, the portion of the payment allocable to interest for the period since the preceding payment was made will be greater than it would have been had the payment been made as scheduled, and the portion of the payment applied to reduce the unpaid principal balance will be correspondingly less.

In either case, subject to any applicable deferment periods or forbearance periods, and except as provided below, the borrower pays a regular installment until the final scheduled payment date, at which time the amount of the final installment is increased or decreased as necessary to repay the then outstanding principal balance of that trust student loan.

The servicer makes available to borrowers of student loans it holds (including the trust student loans) payment terms that may result in the lengthening of the remaining term of the student loans. For example, not all of the loans sold to the trust provide for level payments throughout the repayment term of the loans. Some student loans provide for interest only payments to be made for a designated portion of the term of the loans, with amortization of the principal of the loans occurring only when payments increase in the latter stage of the term of the loans. Other loans provide for a graduated phase in of the amortization of principal with a greater portion of principal amortization being required in the latter stages than would be the case if amortization were on a level payment basis. The servicer also offers an income-sensitive repayment plan, under which repayments are based on the borrower’s income. Under that plan, ultimate repayment may be delayed up to five years. Borrowers under trust student loans will continue to be eligible for the graduated payment and income-sensitive repayment plans. These programs are applicable to the trust student loans and may be offered by the servicer to related borrowers at its discretion.

The following table provides certain information about trust student loans subject to the repayment terms described in the preceding paragraphs.

2003-7

DISTRIBUTION OF THE TRUST STUDENT LOANS BY REPAYMENT

TERMS AS OF THE STATISTICAL DISCLOSURE DATE

Loan Repayment Terms	Number of Loans		Aggregate Outstanding Principal Balance		Percent of Pool by Outstanding Principal Balance
Level Repayment		4,471	$	76,946,674		37.3	%
Other Repayment Options⁽¹⁾		2,928		56,614,897		27.4
Income-driven Repayment⁽²⁾		1,643		72,744,214		35.3
Total		9,042	$	206,305,786		100.0	%

(1)	Includes, among others, graduated repayment and interest-only period loans.

(2)	Includes income sensitive and income based repayment.

With respect to interest-only loans, as of the statistical disclosure date, there are 32 loans with an aggregate outstanding principal balance of $1,177,523 currently in an interest-only period. These interest-only loans represent approximately 0.6% of the aggregate outstanding principal balance of the trust student loans. Interest-only periods range up to 48 months in overall length

The servicer may in the future offer repayment terms similar to those described above to borrowers of trust student loans who are not entitled to these repayment terms as of the statistical disclosure date. If repayment terms are offered to and accepted by those borrowers, the weighted average life of the securities could be lengthened.

DISTRIBUTION OF THE TRUST STUDENT LOANS BY LOAN

TYPE AS OF THE STATISTICAL DISCLOSURE DATE

Loan Type	Number of Loans		Aggregate Outstanding Principal Balance		Percent of Pool by Outstanding Principal Balance
Subsidized		4,513	$	84,806,178		41.1	%
Unsubsidized		4,529		121,499,608		58.9
Total		9,042	$	206,305,786		100.0	%

The following table provides information about the trust student loans regarding date of disbursement.

DISTRIBUTION OF THE TRUST STUDENT LOANS

BY DATE OF DISBURSEMENT AS OF

THE STATISTICAL DISCLOSURE DATE

Disbursement Date	Number of Loans		Aggregate Outstanding Principal Balance		Percent of Pool by Outstanding Principal Balance
September 30, 1993 and earlier		22	$	1,723,770		0.8	%
October 1, 1993 through June 30, 2006		9,020		204,582,015		99.2
July 1, 2006 and later		0		0		0.0
Total		9,042	$	206,305,786		100.0	%

Guaranty Agencies for the Trust Student Loans. The eligible lender trustee has entered into a separate guarantee agreement with each of the guaranty agencies listed below, under which each of the guarantors has agreed to serve as guarantor for specified trust student loans.

2003-7

The following table provides information with respect to the portion of the trust student loans guaranteed by each guarantor.

DISTRIBUTION OF THE TRUST STUDENT LOANS

BY GUARANTY AGENCY AS OF

THE STATISTICAL DISCLOSURE DATE

Name of Guaranty Agency	Number of Loans		Aggregate Outstanding Principal Balance		Percent of Pool by Outstanding Principal Balance
American Student Assistance		196	$	2,855,029		1.4	%
College Assist		2		221,005		0.1
Educational Credit Management Corporation		554		11,884,364		5.8
Great Lakes Higher Education Corporation		6,296		153,169,866		74.3
Kentucky Higher Educ. Asst. Auth.		279		5,900,899		2.9
Michigan Guaranty Agency		83		1,463,911		0.7
Oklahoma Guaranteed Stud Loan Prog		110		2,067,484		1.0
Pennsylvania Higher Education Assistance Agency		409		8,166,875		4.0
Texas Guaranteed Student Loan Corp		1,113		20,576,354		10.0
Total		9,042	$	206,305,786		100.0	%

2003-7

SLM Student Loan Trust 2003-7 8-K