v3.26.1
STUDENT RECEIVABLES (Tables)
3 Months Ended
Mar. 31, 2026
STUDENT RECEIVABLES [Abstract]  
Student Receivables
The following table presents the amortized cost basis of student receivables as of March 31, 2026, by year of origination.
 
             
     March 31, 2026  
  Year   Student
Receivables (1)
          Three
Months
Ended

Write-Off's (2)
 
  2026  
$
50,274     2026    
$
-  
  2025     51,829     2025       11,319  
  2024     14,027     2024       1,496  
  2023     7,392     2023       305  
  2022     3,412     2022       138  
  Prior     2,802     Prior       94  
  Total  
$
129,736     Total    
$
13,352  
 
(1)
Student receivables are presented on a gross basis from the individual students. The total receivable amount above excludes federal subsidies reflected on the student's accounts but not yet received from the government. Also, it excludes all receivables from industry relationships, which are otherwise included under accounts receivable in our Condensed Consolidated Balance Sheets.
 
(2)
Write-off amounts are based on the student's school departure year.
Allowance for Credit Losses
We define student receivables as a portfolio segment under ASU 2016-13, Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments (“ASC 326”). Changes in our current and non-current allowance for credit losses related to our student receivable portfolio were calculated in accordance with ASC 326 for the three months ended March 31, 2026, and 2025, respectively.
 
              
              
              
 
Three Months Ended
March 31,
 
    2026     2025  
Balance, beginning of period
 $ 70,346    $65,572  
Provision for credit losses
   13,683     11,835  
Write-off's
   (13,352   (6,750
Balance, at end of period
 $ 70,677    $70,657