USA EDUCATION INC
S-3, EX-23.1, 2000-09-18
PERSONAL CREDIT INSTITUTIONS
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                                                                   EXHIBIT 23.1

                  CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

      As independent public accountants, we hereby consent to the
incorporation by reference in this registration statement (File
No. 333-_____) of our report dated January 13, 2000 included in SLM Holding
Corporation's Form 10-K for the year ended December 31, 1999 and to all
reference to our Firm included in this registration statement.

                                      /s/ ARTHUR ANDERSEN LLP


Vienna, VA
September 18, 2000



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