Editor's Note: Any reference to TheStreet Ratings and its underlying recommendation does not reflect the opinion of TheStreet, Inc. or any of its contributors including Jim Cramer or Stephanie Link. Two out of the three major indices are trading lower today with the Dow Jones Industrial Average ( ^DJI) trading down 81 points (-0.5%) at 15,762 as of Thursday, Dec. 12, 2013, 11:55 AM ET. The NYSE advances/declines ratio sits at 1,157 issues advancing vs. 1,771 declining with 147 unchanged. The Financial Services industry currently sits down 0.2% versus the S&P 500, which is down 0.2%. On the negative front, top decliners within the industry include Orix Corporation ( IX), down 0.9%, Visa ( V), down 0.9%, Blackstone Group ( BX), down 0.7% and MasterCard Incorporated ( MA), down 0.6%. Top gainers within the industry include Financial Engines ( FNGN), up 3.3%, WisdomTree Investments ( WETF), up 2.3%, CME Group ( CME), up 1.1%, Morgan Stanley ( MS), up 0.9% and Western Union Company ( WU), up 0.8%. TheStreet would like to highlight 3 stocks pushing the industry lower today: 3. SLM ( SLM) is one of the companies pushing the Financial Services industry lower today. As of noon trading, SLM is down $0.33 (-1.3%) to $25.46 on heavy volume. Thus far, 2.9 million shares of SLM exchanged hands as compared to its average daily volume of 2.6 million shares. The stock has ranged in price between $25.18-$25.80 after having opened the day at $25.73 as compared to the previous trading day's close of $25.79. SLM Corporation, also known as Sallie Mae, originates, acquires, finances, and services private education loans in the United States. The company operates through three segments: Consumer Lending, Business Services, and FFELP Loans. SLM has a market cap of $11.5 billion and is part of the financial sector. The company has a P/E ratio of 8.4, below the S&P 500 P/E ratio of 17.7. Shares are up 53.8% year to date as of the close of trading on Wednesday. Currently there are 4 analysts that rate SLM a buy, no analysts rate it a sell, and 2 rate it a hold. TheStreet Ratings rates SLM as a buy. The company's strengths can be seen in multiple areas, such as its solid stock price performance, impressive record of earnings per share growth, compelling growth in net income, notable return on equity and attractive valuation levels. We feel these strengths outweigh the fact that the company has had generally high debt management risk by most measures that we evaluated. Get the full SLM Ratings Report now. STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12-months. Learn more.