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Allowance for Loan Losses - Allowance and Recorded Investments in Loans (Detail) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2018 USD ($) charge_off | Sep. 30, 2017 USD ($) charge_off | Sep. 30, 2018 USD ($) charge_off | Sep. 30, 2017 USD ($) charge_off
Allowance for Loan Losses |  |  |  |
Allowance at beginning of period | $ 295,277 | $ 207,448 | $ 251,475 | $ 184,701
Total provision | 68,896 | 53,847 | 187,339 | 130,524
Net charge-offs: |  |  |  |
Charge-offs | (40,221) | (34,681) | (124,458) | (94,133)
Recoveries | 5,022 | 4,562 | 15,834 | 12,218
Net charge-offs | (35,199) | (30,119) | (108,624) | (81,915)
Loan sales | 0 | (1,257) | (1,216) | (3,391)
Allowance at end of period | 328,974 | 229,919 | 328,974 | 229,919
Allowance: |  |  |  |
Ending balance: individually evaluated for impairment | 119,643 | 100,999 | 119,643 | 100,999
Ending balance: collectively evaluated for impairment | 209,331 | 128,920 | 209,331 | 128,920
Loans: |  |  |  |
Ending balance: individually evaluated for impairment | 1,199,493 | 942,561 | 1,199,493 | 942,561
Ending balance: collectively evaluated for impairment | 21,040,289 | 17,271,626 | 21,040,289 | 17,271,626
FFELP Loans |  |  |  |
Allowance for Loan Losses |  |  |  |
Allowance at beginning of period | 1,073 | 1,606 | 1,132 | 2,171
Total provision | 259 | (73) | 742 | (161)
Net charge-offs: |  |  |  |
Charge-offs | (252) | (181) | (794) | (658)
Recoveries | 0 | 0 | 0 | 0
Net charge-offs | (252) | (181) | (794) | (658)
Loan sales | 0 | 0 | 0 | 0
Allowance at end of period | 1,080 | 1,352 | 1,080 | 1,352
Allowance: |  |  |  |
Ending balance: individually evaluated for impairment | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | 1,080 | 1,352 | 1,080 | 1,352
Loans: |  |  |  |
Ending balance: individually evaluated for impairment | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | $ 866,786 | $ 949,180 | $ 866,786 | $ 949,180
Net charge-offs as a percentage of average loans in repayment (annualized) | 0.15% | 0.10% | 0.15% | 0.12%
Allowance as a percentage of the ending total loan balance | 0.12% | 0.14% | 0.12% | 0.14%
Allowance as a percentage of the ending loans in repayment | 0.16% | 0.20% | 0.16% | 0.20%
Allowance coverage of net charge-offs (annualized) | charge_off | 1.07 | 1.87 | 1.02 | 1.54
Ending total loans, gross | $ 866,786 | $ 949,180 | $ 866,786 | $ 949,180
Average loans in repayment | 681,131 | 734,613 | 700,679 | 752,990
Ending loans in repayment | 679,110 | 690,849 | 679,110 | 690,849
Private Education Loans |  |  |  |
Allowance for Loan Losses |  |  |  |
Allowance at beginning of period | 261,695 | 205,024 | 243,715 | 182,472
Total provision | 42,482 | 53,120 | 130,616 | 129,105
Net charge-offs: |  |  |  |
Charge-offs | (34,229) | (34,280) | (113,852) | (93,235)
Recoveries | 4,736 | 4,560 | 15,421 | 12,216
Net charge-offs | (29,493) | (29,720) | (98,431) | (81,019)
Loan sales | 0 | (1,257) | (1,216) | (3,391)
Allowance at end of period | 274,684 | 227,167 | 274,684 | 227,167
Allowance: |  |  |  |
Ending balance: individually evaluated for impairment | 119,643 | 100,999 | 119,643 | 100,999
Ending balance: collectively evaluated for impairment | 155,041 | 126,168 | 155,041 | 126,168
Loans: |  |  |  |
Ending balance: individually evaluated for impairment | 1,199,493 | 942,561 | 1,199,493 | 942,561
Ending balance: collectively evaluated for impairment | $ 19,040,498 | $ 16,190,346 | $ 19,040,498 | $ 16,190,346
Net charge-offs as a percentage of average loans in repayment (annualized) | 0.88% | 1.08% | 1.01% | 1.02%
Allowance as a percentage of the ending total loan balance | 1.36% | 1.33% | 1.36% | 1.33%
Allowance as a percentage of the ending loans in repayment | 1.99% | 1.99% | 1.99% | 1.99%
Allowance coverage of net charge-offs (annualized) | charge_off | 2.33 | 1.91 | 2.09 | 2.10
Ending total loans, gross | $ 20,239,991 | $ 17,132,907 | $ 20,239,991 | $ 17,132,907
Average loans in repayment | 13,351,517 | 10,971,028 | 13,009,704 | 10,589,725
Ending loans in repayment | 13,815,415 | 11,406,581 | 13,815,415 | 11,406,581
Personal Loans |  |  |  |
Allowance for Loan Losses |  |  |  |
Allowance at beginning of period | 32,509 | 818 | 6,628 | 58
Total provision | 26,155 | 800 | 55,981 | 1,580
Net charge-offs: |  |  |  |
Charge-offs | (5,740) | (220) | (9,812) | (240)
Recoveries | 286 | 2 | 413 | 2
Net charge-offs | (5,454) | (218) | (9,399) | (238)
Loan sales | 0 | 0 | 0 | 0
Allowance at end of period | 53,210 | 1,400 | 53,210 | 1,400
Allowance: |  |  |  |
Ending balance: individually evaluated for impairment | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | 53,210 | 1,400 | 53,210 | 1,400
Loans: |  |  |  |
Ending balance: individually evaluated for impairment | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | $ 1,133,005 | $ 132,100 | $ 1,133,005 | $ 132,100
Net charge-offs as a percentage of average loans in repayment (annualized) | 2.03% | 0.96% | 1.56% | 0.51%
Allowance as a percentage of the ending total loan balance | 4.70% | 1.06% | 4.70% | 1.06%
Allowance as a percentage of the ending loans in repayment | 4.70% | 1.06% | 4.70% | 1.06%
Allowance coverage of net charge-offs (annualized) | charge_off | 2.44 | 1.60 | 4.25 | 4.41
Ending total loans, gross | $ 1,133,005 | $ 132,100 | $ 1,133,005 | $ 132,100
Average loans in repayment | 1,072,624 | 90,850 | 803,928 | 62,747
Ending loans in repayment | $ 1,133,005 | $ 132,100 | $ 1,133,005 | $ 132,100

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