Citigroup is indirectly impacted by this news as it is the institution whose analyst has made the rating and price target adjustment. This could potentially influence perceptions of Citigroup's market analysis capabilities, but it is unlikely to have a significant impact on Citigroup's stock price.

The news directly pertains to SLM as Citigroup has maintained a Neutral rating on the company and lowered the price target. This could potentially impact investor sentiment and the stock's price in the short term, although the Neutral rating suggests that the overall outlook for the stock remains unchanged.