Sallie Mae Bank

Sallie Mae Bank is a Utah state-chartered industrial bank (industrial loan company) founded on November 28, 2005 and headquartered in Salt Lake City, Utah, operating as the FDIC-insured banking subsidiary (FDIC cert #58177) of SLM Corporation (NASDAQ SLM), the publicly traded, S&P 400 consumer-finance company best known as the largest originator of private student loans in the United States. Beyond student and education lending, the bank offers retail deposit products including high-yield savings accounts, money market accounts, and certificates of deposit through salliemae.com. Sallie Mae Bank does not operate a first-party public developer program - there is no developer.salliemae.com portal, no api.salliemae.com host, and no published OpenAPI/Swagger definitions. Consumer account and transaction data is reachable only on a permissioned basis through third-party data aggregators (historically Plaid), and no first-party FDX data-access API or published CFPB Section 1033 data-rights posture could be confirmed. This is an identity-only, aggregator-access record reflecting the honest reality that this institution exposes no public API surface.

Sallie Mae Bank is profiled on the APIs.io network. Tagged areas include Financial Services, Banking, United States, Industrial Bank, and Student Loans.

Sallie Mae Bank’s developer surface includes engineering blog and 7 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

4.6/100 minimal ▬ flat Agent 0/100 human only Front door AI 2/6 trace Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessNo public API

0 APIs

Financial Services Banking United StatesIndustrial BankStudent Loans Savings Consumer Finance

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 4.6/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.4 / 17

Access Clarity 1.1 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 4.1 / 9

Regulatory Posture 0.7 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

13 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 2.4 — up to +19.5 composite points
Access Clarity scores 6.6 — up to +18.7 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/sallie-mae/apis.yml: open an issue on github.com/api-evangelist/sallie-mae to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	regulated	38.3 (thin)	-	-
US Banks and Credit Unions (FDIC BankFind + NCUA insured credit unions)	regulated	38.3 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Sallie Mae Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Source (apis.yml)

aid: sallie-mae
url: https://raw.githubusercontent.com/api-evangelist/sallie-mae/refs/heads/main/apis.yml
x-api-posture: no-product-api
x-api-posture-basis: observed
x-api-posture-note: This is an identity-only, aggregator-access record reflecting the honest reality that this institution
  exposes no public API surface.
name: Sallie Mae Bank
kind: company
description: 'Sallie Mae Bank is a Utah state-chartered industrial bank (industrial loan company) founded on November 28,
  2005 and headquartered in Salt Lake City, Utah, operating as the FDIC-insured banking subsidiary (FDIC cert #58177) of SLM
  Corporation (NASDAQ SLM), the publicly traded, S&P 400 consumer-finance company best known as the largest originator of
  private student loans in the United States. Beyond student and education lending, the bank offers retail deposit products
  including high-yield savings accounts, money market accounts, and certificates of deposit through salliemae.com. Sallie
  Mae Bank does not operate a first-party public developer program - there is no developer.salliemae.com portal, no api.salliemae.com
  host, and no published OpenAPI/Swagger definitions. Consumer account and transaction data is reachable only on a permissioned
  basis through third-party data aggregators (historically Plaid), and no first-party FDX data-access API or published CFPB
  Section 1033 data-rights posture could be confirmed. This is an identity-only, aggregator-access record reflecting the honest
  reality that this institution exposes no public API surface.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  gated: private
  gated_source:
  - x-api-posture
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- United States
- Industrial Bank
- Student Loans
- Savings
- Consumer Finance
tags_raw:
- Financial Services
- Banking
- United States
- Industrial Bank
- Student Loans
- Savings
- Consumer Finance
- Financial-Services
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis: []
common:
- type: Login
  url: https://www.salliemae.com/login/
- type: DomainSecurity
  url: security/sallie-mae-domain-security.yml
- type: Website
  url: https://www.salliemae.com/
- type: TermsOfService
  url: https://www.salliemae.com/legal/terms-of-use/
- type: PrivacyPolicy
  url: https://www.salliemae.com/legal/privacy-policies-and-notices/
- type: GitHubOrganization
  url: https://github.com/SallieMae
- type: LinkedIn
  url: https://www.linkedin.com/company/salliemae
- type: Blog
  url: https://www.salliemae.com/resources/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
x-tags-removed:
- Data Aggregation

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