On a 1996 Ford Explorer XLT, the fuel filter is located
in the fuel line, usually near the fuel tank, but not directly on it. It's not easily accessible and requires getting under the vehicle. You'll likely need to remove some shielding or other components to reach it. Precise location can vary slightly depending on the specific engine (4.0L V6 or 5.0L V8) but it's generally in the same area.
Because of the location and the potential for fuel spills, it is highly recommended to consult a repair manual specific to your 1996 Ford Explorer XLT. A repair manual will provide detailed diagrams and instructions for safe fuel filter replacement. Attempting this without proper knowledge can be dangerous.