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Allowance for Loan Losses - Allowance for Credit Losses and Recorded Investments in Loans (Detail) - USD ($) $ in Thousands | 12 Months Ended
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Dec. 31, 2018 | Dec. 31, 2017 | Dec. 31, 2016
Allowance for Loan Losses |  |  |
Beginning balance | $ 251,475 | $ 184,701 | $ 112,507
Total provision | 244,584 | 185,595 | 159,397
Charge-offs | (175,526) | (131,596) | (91,551)
Recoveries | 21,804 | 17,646 | 10,382
Net charge-offs | (153,722) | (113,950) | (81,169)
Loan sales | (1,216) | (4,871) | (6,034)
Ending Balance | 341,121 | 251,475 | 184,701
Allowance: |  |  |
Ending balance: individually evaluated for impairment | 120,110 | 94,682 | 86,930
Ending balance: collectively evaluated for impairment | 221,011 | 156,793 | 97,771
Loans: |  |  |
Ending balance: individually evaluated for impairment | 1,257,856 | 990,351 | 612,606
Ending balance: collectively evaluated for impairment | 21,283,187 | 17,769,756 | 14,662,871
FFELP Loans |  |  |
Allowance for Loan Losses |  |  |
Beginning balance | 1,132 | 2,171 | 3,691
Total provision | 980 | (85) | (172)
Charge-offs | (1,135) | (954) | (1,348)
Recoveries | 0 | 0 | 0
Net charge-offs | (1,135) | (954) | (1,348)
Loan sales | 0 | 0 | 0
Ending Balance | 977 | 1,132 | 2,171
Allowance: |  |  |
Ending balance: individually evaluated for impairment | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | 977 | 1,132 | 2,171
Loans: |  |  |
Ending balance: individually evaluated for impairment | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | $ 846,487 | $ 927,660 | $ 1,010,908
Net charge-offs as a percentage of average loans in repayment | 0.16% | 0.13% | 0.17%
Allowance as a percentage of the ending total loan balance | 0.12% | 0.12% | 0.21%
Allowance as a percentage of the ending loans in repayment | 0.15% | 0.15% | 0.28%
Allowance coverage of net charge-offs | 0.86 | 1.19 | 1.61
Ending total loans, gross | $ 846,487 | $ 927,660 | $ 1,010,908
Average loans in repayment | 691,406 | 745,039 | 793,203
Ending loans in repayment | 665,807 | 746,456 | 786,332
Private Education Loans |  |  |
Allowance for Loan Losses |  |  |
Beginning balance | 243,715 | 182,472 | 108,816
Total provision | 169,287 | 178,542 | 159,511
Charge-offs | (154,701) | (130,063) | (90,203)
Recoveries | 20,858 | 17,635 | 10,382
Net charge-offs | (133,843) | (112,428) | (79,821)
Loan sales | (1,216) | (4,871) | (6,034)
Ending Balance | 277,943 | 243,715 | 182,472
Allowance: |  |  |
Ending balance: individually evaluated for impairment | 120,110 | 94,682 | 86,930
Ending balance: collectively evaluated for impairment | 157,833 | 149,033 | 95,542
Loans: |  |  |
Ending balance: individually evaluated for impairment | 1,257,856 | 990,351 | 612,606
Ending balance: collectively evaluated for impairment | $ 19,246,609 | $ 16,441,816 | $ 13,639,069
Net charge-offs as a percentage of average loans in repayment | 1.01% | 1.03% | 0.96%
Allowance as a percentage of the ending total loan balance | 1.36% | 1.40% | 1.28%
Allowance as a percentage of the ending loans in repayment | 1.90% | 2.00% | 1.88%
Allowance coverage of net charge-offs | 2.08 | 2.17 | 2.29
Ending total loans, gross | $ 20,504,465 | $ 17,432,167 | $ 14,251,675
Average loans in repayment | 13,303,801 | 10,881,058 | 8,283,036
Ending loans in repayment | 14,666,856 | 12,206,033 | 9,709,758
Personal Loans |  |  |
Allowance for Loan Losses |  |  |
Beginning balance | 6,628 | 58 | 0
Total provision | 74,317 | 7,138 | 58
Charge-offs | (19,690) | (579) | 0
Recoveries | 946 | 11 | 0
Net charge-offs | (18,744) | (568) | 0
Loan sales | 0 | 0 | 0
Ending Balance | 62,201 | 6,628 | 58
Allowance: |  |  |
Ending balance: individually evaluated for impairment | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | 62,201 | 6,628 | 58
Loans: |  |  |
Ending balance: individually evaluated for impairment | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | $ 1,190,091 | $ 400,280 | $ 12,894
Net charge-offs as a percentage of average loans in repayment | 2.11% | 0.47% | 0.00%
Allowance as a percentage of the ending total loan balance | 5.23% | 1.66% | 0.00%
Allowance as a percentage of the ending loans in repayment | 5.23% | 1.66% | 0.00%
Allowance coverage of net charge-offs | 3.32 | 11.67 | 0
Ending total loans, gross | $ 1,190,091 | $ 400,280 | $ 0
Average loans in repayment | 889,348 | 119,606 | 0
Ending loans in repayment | $ 1,190,091 | $ 400,280 | $ 0

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