SOURCE: Rothman Research

Rothman Research

August 20, 2010 08:25 ET

Research Reports on SLM Corp. and Alliance Data Systems -- Credit Services Industry Gaining Traction

JOHANNESBURG, SOUTH AFRICA--(Marketwire - August 20, 2010) -  www.RothmanResearch.com provides members a complete scrutiny of the credit services industry with thorough research on SLM Corp. (NYSE: SLM) and Alliance Data Systems Corporation (NYSE: ADS). Sign up now on www.rothmanresearch.com to access these free reports.

As the economy starts to recover and people put on confidence, the credit service sector has been gaining traction. Recent quarterly earnings reports show some positive growth which is providing hope that the sector may be pulling out of the tail spin that it has been in during the recession.

www.rothmanresearch.com is a source for investors seeking free information on the credit services industry; investors and shareholders of SLM Corp., Alliance Data Systems Corporation and other companies in the industry are encouraged to sign up for free at http://www.rothmanresearch.com/index.php?id=6&name=Register.

The beginning of the year did not look promising with charge offs at 10 percent compared to 3.8 percent pre recession. However, the second quarter saw charge offs and delinquencies dropping as borrowers seem to be successfully repaying debt and becoming more financially cautious. With customers borrowing less and paying down more, interest revenues are dropping. Because of this, some lenders are increasing focus on charge and pay-in-full services, which provide fee based revenue.

Despite continued high unemployment and financial woes, Americans seem to be in agreement that something worth spending on, and borrowing for, is education. Earning a degree can double the chances of employment, which in the current environment is a huge incentive. Despite rising costs of education, families are digging deep to pay for college.

In July, Sallie Mae or SLM Corp. reported earnings of $338 million which included a one-time gain from debt repurchase. Net interest income from student loans was up to $513.7 million as compared to $105.6 million in the same time period last year. Alliance Data Systems which released its financial results around the same time as Sallie Mae saw its earnings surge by 60% to $47.3 million. www.rothmanresearch.com research team provides investors with insight about SLM Corp. and Alliance Data Systems Corporation by registering now at

http://www.rothmanresearch.com/article/slm/23867/Aug-20-2010.html or

http://www.rothmanresearch.com/article/ads/23868/Aug-20-2010.html

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