Results were driven by a decline in total expenses. A solid liquidity position was another positive. However, a decrease in net interest income (NII) and other income were headwinds. NII & Expenses Fall Total other income declined 9.3% year over year to $117 million. Total expenses decreased 7.5% year over year to $185 million. Federal Education Loans: The segment generated a net income of $28 million, which declined 63.2% year over year. Consumer Lending: This segment reported a net income of $60 million, ...