Of 60 answers

The most named companies in the study, and S&P 500 financials, with how many of their 60 AI answers named them.

Back to the study
AI visibility statementFinance AI Visibility Study 2026Issued October 14, 2026
Account holder
Statement period
October 9, 2026
when the AI assistants were asked
Account no.
414 of 2,219
its rank by overall score
Place in its category
4th of 62 consumer lenders
Closing balance

Named in

5of 60 answers

by 4 of 4 assistants

Statement note

What this means for Sallie Mae

AI assistants name Sallie Mae in 8.3% of answers, more often than the typical company in its sector, which is named in 3.3% of answers. Its overall score is 38 out of 100, ranking 414th of 2,219 in the study. The website passes 3 of 14 technical checks for AI tool readiness.

We asked 15 unbranded questions about its market, so no question mentioned Sallie Mae by name. AI assistants named it in 5 of the 60 answers. Counting only how often it is named, it ranks 28th of 93 in its sector. The typical lending and credit company is named in 3.3% of answers.

Overall score
38Overall score
  • Visibility15
  • Citations2
  • Sentiment90
  • Site quality73
  • AI readiness36
Summary of account
Named by AI in
8.3%
5 of 60 answers
Share of mentions
31.3%
of the mentions of it and its 5 peers
AI readiness
3/14
technical checks passed. Typical for its sector: 4
Rank in its sector
15 of 93
by overall score, where the typical lending and credit company scores 31

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Line itemsSection 01

Every question, and where the company came up

Sallie Mae came up on 2 of 15 questions. Open any window to read that answer.

  1. 01What fees should I expect when applying for private education loans?0/4
  2. 02What should I consider before taking out a private loan for professional training or certification courses?0/4
  3. 03How can I resolve issues with college financial planning tools not syncing my banking data?0/4
  4. 04What is the typical interest rate range for private student loans in the US?1/4
  5. 05What resources help first-generation college students navigate saving, planning, and paying for college?0/4
  6. 06Is it worth applying for a private graduate loan to fund a law or medical degree?0/4
  7. 07What should students do if they’re denied for a private student loan due to lack of credit or cosigner?0/4
  8. 08Are income share agreements a good alternative to traditional student loans for funding education?0/4
  9. 09How can students reduce college costs without using education loans?0/4
  10. 10What alternatives exist to private loans for paying for graduate school in the United States?0/4
  11. 11How do private education loans compare to federal student loans in terms of interest rates and repayment flexibility?0/4
  12. 12How can an undergraduate student use private education loans to cover living expenses while in school?0/4
  13. 13Parent student loans vs cosigned loans: which is better for helping a student pay for college?0/4
  14. 14What are the best private student loan options for undergraduate students in the US?4/4
  15. 15How can families plan and save for college expenses effectively?0/4
Total namedOpenAI: 2/15Claude: 1/15Perplexity: 1/15Gemini: 1/15All assistants: 5/60
named the companyanswered without naming itdid not answer

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

Transaction detailSection 02

What OpenAI actually said

An answer that names the company

OpenAInamed the company

“What are the best private student loan options for undergraduate students in the US?”

Short answer — don’t start with private loans. First maximize federal student loans and grants (they have fixed, usually lower rates and stronger borrower protections). If you still need more, the most‑recommended private undergraduate lenders in 2026 are College Ave, Sallie Mae, Citizens Bank, SoFi, Ascent, Discover, and (for some borrowers) Nelnet/Earnest — each has different strengths depending on whether you have a creditworthy cosigner, want flexible repayment while in school, or want the lowest advertised APR. (finaid.cornell.edu …

The AI’s answer as we received it, shortened and not checked for accuracy.

PayeesSection 03

Where the mentions went

The companies these answers named, and how the mentions were split between this company and its peers.

Also named

CompanyTimes named
  1. 01
    Earnest
    3

Share of mentions

CompanyShare
  1. Sallie Mae
    31.3%
  2. College Ave Student Loans
    25.0%
  3. Earnest
    25.0%
  4. Discover Student Loans
    12.5%
  5. Citizens Bank Student Loans
    6.3%
  6. SoFi Student Loans
    0.0%
ReferrersSection 04

Websites the AI used as sources

How many times each website was listed as a source in these answers

  1. 01
    credible.com
    25
  2. 02
    sofi.com
    16
  3. 03
    savingforcollege.com
    16
  4. 04
    bankrate.com
    13
  5. 05
    studentaid.gov
    11
  6. 06
    forbes.com
    10
  7. 07
    consumerfinance.gov
    10
  8. 08
    salliemae.com (its own website)
    9
  9. 09
    studentloanplanner.com
    8
  10. 10
    cnbc.com
    7

Sallie Mae is in the study as a consumer lender.

By assistantSection 05

Which AI assistants named the company

Answers naming it, out of answers received

OpenAI
2/15
Gemini
1/15
Perplexity
1/15
Claude
1/15
Market comparisonSection 06

How Sallie Mae compares with all 2,219 companies

Every tower is a company in the study, taller for a higher overall score and lit where AI assistants named it. Its own group stays lit. Hover a tower to see it, and click to open it.

What makes up the score

Each part is scored out of 100.

Visibility
15

How often AI assistants name the company, and how that compares with its peers

Citations
2

How often AI uses the company's own website as a source

Sentiment
90

How positively AI describes the company

Site quality
73

How well built the website's own pages are

AI readiness
36

How easily AI tools can read and use the website

Visibility is calculated from the answers on this page. How the score is built.

Against its sectorSection 07

Compared with lending and credit companies

93 companies in this sector. The gold tick on each bar is the typical company.

Overall score
38
Ranks 15 of 93. Typical company: 31
Named in answers
8.3%
Ranks 28 of 93. Typical company: 3.3%
AI readiness
36
Ranks 9 of 93. Typical company: 29
Against its categorySection 08

Compared with consumer lenders

62 companies in this category. The gold tick on each bar is the typical company.

Overall score
38
Ranks 4 of 62. Typical company: 28
Named in answers
8.3%
Ranks 9 of 62. Typical company: 1.7%
AI readiness
36
Ranks 6 of 62. Typical company: 29
AI agentsSection 09

Ready for AI agents

What this website publishes for an AI agent to read, use and pay through, on a scale of six levels.

  1. 0
  2. 1
  3. 2
  4. 3
  5. 4
  6. 5

Level 1: Basic web presence. Two of robots.txt, a sitemap and Link headers are in place.

To reach level 2:
  • Content Signals
Can an AI agent check out here?

Not by itself. Sallie Mae publishes none of the agent payment protocols we look for. An agent would have to click through the website like a person.

Agent payment protocols
  • x402Not present
  • MPPNot present
  • AP2Not present
  • ACPNot present
  • UCPNot present
Interfaces for AI agents
  • MCP Server CardNot present
  • A2A Agent CardNot present
  • Agent SkillsNot present
  • API CatalogNot present
  • llms.txtNot present
  • WebMCPCould not check
Show every check, for your technical team
Discoverability
77 of 100
  • robots.txtPassed

    A valid robots.txt with crawl rules at the site root.

    study: 86.1%
  • SitemapPassed

    An XML sitemap listing the pages, ideally referenced from robots.txt.

    study: 87.9%
  • Link headersNot met

    Send Link headers such as rel="api-catalog" or rel="describedby" on the homepage.

    study: 1.5%
  • DNS for AI DiscoveryNot present

    Advertise agent endpoints with SVCB records under _agents.

    study: 4.3%
Content accessibility
0 of 100
  • Markdown negotiationNot met

    Return a markdown version when asked with Accept: text/markdown, for example at the CDN.

    study: 6.2%
  • llms.txtNot met

    Publish an llms.txt with a short summary and the key links.

    study: 31.0%
Bot access control
32 of 100
  • AI bot rulesPartly met

    Add explicit robots.txt groups for the main AI crawlers.

    study: 92.7%
  • Content SignalsNot met

    Add a Content-Signal line for search, ai-input and ai-train to robots.txt.

    study: 2.3%
  • Web Bot AuthNot present

    Only relevant if you run your own agents or crawlers: publish a signing key directory.

    study: 0.3%
APIs, auth and MCP
0 of 100
  • API CatalogNot met

    List public APIs in a linkset at /.well-known/api-catalog.

    study: 1.3%
  • OAuth discoveryNot met

    Publish OpenID Connect or OAuth server metadata under /.well-known.

    study: 6.3%
  • OAuth Protected ResourceNot met

    Serve protected resource metadata at /.well-known/oauth-protected-resource.

    study: 5.3%
  • auth.mdNot met

    Publish an auth.md describing how agents sign in.

    study: 0.2%
  • MCP Server CardNot met

    Offer an MCP server and publish its server card under /.well-known.

    study: 0.8%
  • A2A Agent CardNot met

    Publish an agent card at /.well-known/agent-card.json.

    study: 0.2%
  • Agent SkillsNot met

    Publish a skills index with the main tasks agents can do.

    study: 1.0%
  • WebMCPCould not check

    Register key actions such as search or cart as WebMCP tools.

    study: 0.0%
  • ARD manifestNot met

    Publish an ai-catalog.json listing every agent interface.

    study: 0.2%

Score 25 of 100 · 97% of checks could run · checked on October 9, 2026 · www.salliemae.com · 2,200 companies scanned

See how every company did, and how this was measured.

AI readinessSection 10

The checks behind the AI readiness score

3 of 14 passed. This list is for your technical team. The percentage is how many companies in the study pass each check.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Show the 14 checks

Discoverability

  • Passedrobots.txt publishedstudy: 85.1%
  • PassedXML sitemapstudy: 79.4%
  • Not metHTTP Link headers (RFC 8288)study: 42.5%

Content Accessibility

  • Not metMarkdown content negotiationstudy: 7.4%
  • Not metllms.txt publishedstudy: 28.1%
  • PassedToken budget (page weight)study: 97.3%

Bot Access Control

  • Not metExplicit AI bot rulesstudy: 11.5%

API / Auth / MCP

  • Not metAPI Catalog (.well-known/api-catalog)study: 1.1%
  • Not metOAuth Authorization Server discoverystudy: 5.2%
  • Not metOAuth Protected Resource discoverystudy: 4.6%
  • Not metMCP Server Cardstudy: 0.2%
  • Not metA2A Agent Cardstudy: 0.0%
  • Not metWebMCP toolsstudy: 0.3%
  • Not metAgent Skills declaredstudy: 0.1%
AI crawlersSection 11

What AI crawlers may read (robots.txt)

This website sets no rules for any AI crawler by name, like 86% of the websites whose rules we could read. Every AI crawler follows its general rules.

Training AI

  • GPTBotallowed
  • ClaudeBotallowed
  • Anthropic-AIallowed
  • Google-Extendedallowed
  • Applebot-Extendedallowed
  • Meta-ExternalAgentallowed
  • FacebookBotallowed
  • Bytespiderallowed
  • CCBotallowed
  • Diffbotallowed
  • Omgilibotallowed

AI search

  • OAI-SearchBotallowed
  • Claude-SearchBotallowed
  • PerplexityBotallowed
  • Applebotallowed
  • Amazonbotallowed
  • YouBotallowed

Answering questions

  • ChatGPT-Userallowed
  • Claude-Userallowed
  • Perplexity-Userallowed
  • DuckAssistBotallowed
  • MistralAI-Userallowed

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.

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ShareSection 12

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Overall score 38 of 100 badge for Sallie Mae

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