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Debt - Schedule of Debt (Details) - USD ($) | 3 Months Ended | 6 Months Ended |  |
--- | --- | --- | --- | ---
Jun. 30, 2026 | Jun. 30, 2025 | Jun. 30, 2026 | Jun. 30, 2025 | Dec. 31, 2025 | Mar. 31, 2024
Debt Instrument [Line Items] |  |  |  |  |  |
Total, before unamortized debt issuance costs, premiums and discounts | $ 3,312,940,000 |  | $ 3,312,940,000 |  | $ 1,830,629,000 |
Less: unamortized debt issuance costs, premiums and discounts | (12,396,000) |  | (12,396,000) |  | (15,467,000) |
Total debt | 3,300,544,000 |  | 3,300,544,000 |  | 1,815,162,000 |
Debt discounts issued |  |  | 0 |  |  |
Amount not available for general borrowing purposes to secure letter of credit | 4,100,000 |  | 4,100,000 |  | 4,700,000 |
Asset Pledged as Collateral |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Amount not available for general borrowing purposes to secure letter of credit | $ 46,700,000 |  | $ 46,700,000 |  | 46,700,000 |
Minimum |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Unused commitment fee percentage |  |  | 0.00% |  |  |
Maximum |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Unused commitment fee percentage |  |  | 0.50% |  |  |
Convertible notes | Convertible senior notes, due 2026 |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Stated Interest Rate | 0.00% |  | 0.00% |  |  |
Total, before unamortized debt issuance costs, premiums and discounts | $ 428,022,000 |  | $ 428,022,000 |  | 428,022,000 |
Less: unamortized debt issuance costs, premiums and discounts | (500,000) |  | (500,000) |  | (1,500,000) |
Interest expense | $ 500,000 | $ 500,000 | $ 900,000 | $ 900,000 |  |
Effective interest rate | 0.43% | 0.43% | 0.43% | 0.43% |  |
Net carrying amount | $ 427,500,000 |  | $ 427,500,000 |  | 426,600,000 |
Convertible notes | Convertible senior notes, due 2029 |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Stated Interest Rate | 1.25% |  | 1.25% |  |  | 1.25%
Total, before unamortized debt issuance costs, premiums and discounts | $ 862,500,000 |  | $ 862,500,000 |  | 862,500,000 |
Less: unamortized debt issuance costs, premiums and discounts | (11,900,000) |  | (11,900,000) |  | (14,000,000.0) |
Interest expense | $ 3,800,000 | $ 3,800,000 | $ 7,500,000 | $ 7,500,000 |  |
Effective interest rate | 1.75% | 1.75% | 1.76% | 1.76% |  |
Net carrying amount | $ 850,600,000 |  | $ 850,600,000 |  | 848,500,000 |
Contractual interest expense | 2,700,000 | $ 2,700,000 | 5,400,000 | $ 5,400,000 |  |
Amortization of discounts and issuance costs | 1,100,000 | $ 1,100,000 | 2,200,000 | $ 2,100,000 |  |
Other financing | Other financing |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Total Collateral | 1,810,956,000 |  | 1,810,956,000 |  |  |
Total Capacity | 1,253,245,000 |  | 1,253,245,000 |  |  |
Total, before unamortized debt issuance costs, premiums and discounts | 0 |  | 0 |  | 0 |
Other financing | Other financing | Loans at fair value |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Total Collateral | 1,300,000,000 |  | 1,300,000,000 |  |  |
Other financing | Other financing | Securities Investment |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Total Collateral | 472,000,000.0 |  | 472,000,000.0 |  |  |
Student loan securitizations |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Total Collateral | 56,248,000 |  | 56,248,000 |  |  |
Total, before unamortized debt issuance costs, premiums and discounts | $ 48,111,000 |  | $ 48,111,000 |  | 54,107,000 |
Student loan securitizations | Minimum |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Stated Interest Rate | 3.09% |  | 3.09% |  |  |
Student loan securitizations | Maximum |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Stated Interest Rate | 3.73% |  | 3.73% |  |  |
Secured Debt | Asset Pledged as Collateral |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Total Capacity | $ 1,200,000,000 |  | $ 1,200,000,000 |  |  |
Unsecured Debt |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Total Capacity | 50,000,000.0 |  | 50,000,000.0 |  |  |
Personal loan warehouse facilities | Line of Credit |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Total Collateral | 880,039,000 |  | 880,039,000 |  |  |
Total Capacity | 3,700,000,000 |  | 3,700,000,000 |  |  |
Total, before unamortized debt issuance costs, premiums and discounts | $ 736,684,000 |  | $ 736,684,000 |  | 0 |
Personal loan warehouse facilities | Line of Credit | Minimum |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Stated Interest Rate | 4.28% |  | 4.28% |  |  |
Personal loan warehouse facilities | Line of Credit | Maximum |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Stated Interest Rate | 4.88% |  | 4.88% |  |  |
Student loan warehouse facilities | Line of Credit |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Total Collateral | $ 879,611,000 |  | $ 879,611,000 |  |  |
Total Capacity | 3,480,000,000 |  | 3,480,000,000 |  |  |
Total, before unamortized debt issuance costs, premiums and discounts | $ 751,623,000 |  | $ 751,623,000 |  | 0 |
Student loan warehouse facilities | Line of Credit | Minimum |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Stated Interest Rate | 4.18% |  | 4.18% |  |  |
Student loan warehouse facilities | Line of Credit | Maximum |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Stated Interest Rate | 4.82% |  | 4.82% |  |  |
Revolving credit facility | Line of Credit |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Amount not available for general borrowing purposes to secure letter of credit | $ 11,400,000 |  | $ 11,400,000 |  |  |
Revolving credit facility | Revolving credit facility |  |  |  |  |  |
Debt Instrument [Line Items] |  |  |  |  |  |
Stated Interest Rate | 5.25% |  | 5.25% |  |  |
Total Capacity | $ 645,000,000 |  | $ 645,000,000 |  |  |
Total, before unamortized debt issuance costs, premiums and discounts | 486,000,000 |  | 486,000,000 |  | 486,000,000 |
Less: unamortized debt issuance costs, premiums and discounts | $ (800,000) |  | $ (800,000) |  | $ (1,000,000.0) |

X
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