Finance Charges and Other Revenue (Details) - USD ($) $ in Thousands |
3 Months Ended | 9 Months Ended | ||
|---|---|---|---|---|
Oct. 31, 2022 |
Oct. 31, 2021 |
Oct. 31, 2022 |
Oct. 31, 2021 |
|
| Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items] | ||||
| Interest income and fees | $ 61,395 | $ 63,621 | $ 185,869 | $ 196,303 |
| Insurance income | 5,176 | 6,992 | 14,835 | 17,881 |
| Other revenues | 271 | 262 | 815 | 695 |
| Provisions for uncollectible interest | 19,100 | 10,500 | 38,600 | 25,500 |
| Other Income | 66,842 | 70,875 | 201,519 | 214,879 |
| Financing Receivable [Member] | ||||
| Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items] | ||||
| Interest income and fees | $ 3,600 | $ 5,800 | $ 11,500 | $ 20,000 |