UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM ABS-15G
ASSET-BACKED SECURITIZER
REPORT PURSUANT TO SECTION 15G OF
THE SECURITIES EXCHANGE ACT OF 1934

Patriot Student Loan Capital, LLC

 (Exact name of securitizer as specified in its charter)

Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:

Date of Report (Date of earliest event reported): February 11, 2026

Commission File Number of securitizer: 025-02878

Central Index Key Number of securitizer: 0001682009

Greg Van Guilder (651) 325-3490 

Name and telephone number, including area code, of the person to
contact in connection with this filing.

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(1) ¨

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ¨

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) x

Central Index Key Number of depositor: ____________________

________________________________________

 (Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): ____________________
Central Index Key Number of underwriter (if applicable): ____________________

____________________

Name and telephone number, including area code, of the person to
contact in connection with this filing.

PART I: REPRESENTATION AND WARRANTY INFORMATION

Item 1.02 Periodic Filing of Rule 15Ga-1 Representation and Warranties Disclosure

Securitizer has no repurchase activity to report for the annual period pursuant to Rule 15Ga-1(c)(2).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: February 11, 2026