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LITIGATION AND OTHER RELATED CONTINGENCIES (Details) $ in Millions | May 06, 2019 | Jan. 31, 2021 USD ($) | Apr. 30, 2020 USD ($) | Jan. 31, 2020 USD ($) | Sep. 30, 2016 loan | Sep. 28, 2012 loan | May 31, 2012 loan
--- | --- | --- | --- | --- | --- | --- | ---
Loss Contingencies [Line Items] |  |  |  |  |  |  |
Loss contingency accrual | $ |  | $ 5.5 | $ 1.6 | $ 1.6 |  |  |
Original loans collateralized |  |  |  |  |  |  | 7,500
Number of loans sold to the trust |  |  |  |  |  | 96 |
Loans sold to trust, with claims of breach of contract and indemnity |  |  |  |  | 649 |  |
SCC |  |  |  |  |  |  |
Loss Contingencies [Line Items] |  |  |  |  |  |  |
Principal assets of SCC | $ |  | $ 271.0 |  |  |  |  |
Free File Litigation |  |  |  |  |  |  |
Loss Contingencies [Line Items] |  |  |  |  |  |  |
Eligibility period prior to filing complaint | 4 years |  |  |  |  |  |

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