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Allowance for Loan Losses (Tables) | 3 Months Ended
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Mar. 31, 2020
Receivables [Abstract] |
Allowance for credit losses and recorded investments in loans | Allowance for Loan Losses Metrics
|  | Allowance for Loan Losses |  |  |  |  |  |  |  |
|  | Three Months Ended March 31, 2020 |  |  |  |  |  |  |  |
|  | FFELP Loans |  | Private Education Loans |  | Personal Loans |  | Credit Cards |  | Total
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,633 |  |  | $ | 374,300 |  |  | $ | 65,877 |  |  | $ | 102 |  |  | $ | 441,912 |
Day 1 adjustment for the adoption of CECL |  | 2,852 |  |  | 1,060,830 |  |  | 79,183 |  |  | 188 |  |  |  | 1,143,053 |
Transfer from unfunded commitment liability |  | — |  |  | 142,075 |  |  | — |  |  | — |  |  | 142,075 |
Provisions: |  |  |  |  |  |  |  |  |  |
Provision for current period |  | 37 |  |  | 143,862 |  |  | 25,318 |  |  | 291 |  |  |  | 169,508 |
Loan sale reduction to provision |  | — |  |  | (161,793) |  |  | — |  |  | — |  |  |  | (161,793) |
Total provision(1) |  | 37 |  |  | (17,931) |  |  | 25,318 |  |  | 291 |  |  | 7,715 |
Net charge-offs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Charge-offs |  | (226) |  |  | (51,469) |  |  | (19,247) |  |  | (7) |  |  | (70,949) |
Recoveries |  | — |  |  | 7,976 |  |  | 1,542 |  |  | — |  |  | 9,518 |
Net charge-offs |  | (226) |  |  | (43,493) |  |  | (17,705) |  |  | (7) |  |  | (61,431) |
Ending Balance |  | $ | 4,296 |  |  | $ | 1,515,781 |  |  | $ | 152,673 |  |  | $ | 574 |  |  | $ | 1,673,324 |
Allowance: |  |  |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | 150,822 |  |  | $ | — |  |  | $ | — |  |  | $ | 150,822 |
Ending balance: collectively evaluated for impairment |  | $ | 4,296 |  |  | $ | 1,364,959 |  |  | $ | 152,673 |  |  | $ | 574 |  |  | $ | 1,522,502 |
Loans: |  |  |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | 1,518,763 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,518,763 |
Ending balance: collectively evaluated for impairment |  | $ | 766,954 |  |  | $ | 20,107,984 |  |  | $ | 899,704 |  |  | $ | 7,234 |  |  | $ | 21,781,876 |
Net charge-offs as a percentage of average loans in repayment (annualized)(2) |  | 0.15 | % |  | 1.05 | % |  | 7.27 | % |  | 0.52 | % |  |
Allowance as a percentage of the ending total loan balance |  | 0.56 | % |  | 7.01 | % |  | 16.97 | % |  | 7.93 | % |  |
Allowance as a percentage of the ending loans in repayment(2) |  | 0.74 | % |  | 10.11 | % |  | 16.97 | % |  | 7.93 | % |  |
Allowance coverage of net charge-offs (annualized) |  | 4.75 |  |  | 8.71 |  |  | 2.16 |  |  | 20.50 |  |  |
Ending total loans, gross |  | $ | 766,954 |  |  | $ | 21,626,747 |  |  | $ | 899,704 |  |  | $ | 7,234 |  |  |
Average loans in repayment(2) |  | $ | 600,534 |  |  | $ | 16,521,356 |  |  | $ | 973,772 |  |  | $ | 5,364 |  |  |
Ending loans in repayment(2) |  | $ | 581,997 |  |  | $ | 14,988,345 |  |  | $ | 899,704 |  |  | $ | 7,234 |  |  |
____________ (1) Below is a reconciliation of the provision for credit losses reported in the consolidated statements of income. When a new loan commitment is made, we record the CECL allowance as a liability for unfunded commitments by recording a provision for credit losses. When the loan is funded, we transfer that liability to the allowance for loan losses.
Consolidated Statements of Income Provisions for Credit Losses Reconciliation |  |
|  | Three Months Ended March 31, 2020
Provisions for credit losses for new loan commitments made during the quarter |  | $ | 53,543 |
Total provision for allowance for loan losses |  | 7,715
Provisions for credit losses reported in consolidated statements of income |  | $ | 61,258 |
(2) Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period.
|  | Allowance for Loan Losses |  |  |  |  |  |
|  | Three Months Ended March 31, 2019 |  |  |  |  |  |
|  | FFELP Loans |  | Private Education Loans |  | Personal Loans |  | Total
Allowance for Loan Losses |  |  |  |  |  |  |  |
Beginning balance |  | $ | 977 |  |  | $ | 277,943 |  |  | $ | 62,201 |  |  | $ | 341,121 |
Total provision |  | 1,017 |  |  | 41,883 |  |  | 22,760 |  |  | 65,660 |
Net charge-offs: |  |  |  |  |  |  |  |
Charge-offs |  | (234) |  |  | (39,577) |  |  | (15,251) |  |  | (55,062) |
Recoveries |  | — |  |  | 5,697 |  |  | 909 |  |  | 6,606 |
Net charge-offs |  | (234) |  |  | (33,880) |  |  | (14,342) |  |  | (48,456) |
Ending Balance |  | $ | 1,760 |  |  | $ | 285,946 |  |  | $ | 70,619 |  |  | $ | 358,325 |
Allowance: |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | 132,442 |  |  | $ | — |  |  | $ | 132,442 |
Ending balance: collectively evaluated for impairment |  | $ | 1,760 |  |  | $ | 153,504 |  |  | $ | 70,619 |  |  | $ | 225,883 |
Loans: |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | 1,327,668 |  |  | $ | — |  |  | $ | 1,327,668 |
Ending balance: collectively evaluated for impairment |  | $ | 828,640 |  |  | $ | 20,463,954 |  |  | $ | 1,162,874 |  |  | $ | 22,455,468 |
Net charge-offs as a percentage of average loans in repayment (annualized)(1) |  | 0.14 | % |  | 0.89 | % |  | 4.88 | % |  |
Allowance as a percentage of the ending total loan balance |  | 0.21 | % |  | 1.31 | % |  | 6.07 | % |  |
Allowance as a percentage of the ending loans in repayment(1) |  | 0.27 | % |  | 1.87 | % |  | 6.07 | % |  |
Allowance coverage of net charge-offs (annualized) |  | 1.88 |  |  | 2.11 |  |  | 1.23 |  |  |
Ending total loans, gross |  | $ | 828,640 |  |  | $ | 21,791,622 |  |  | $ | 1,162,874 |  |  |
Average loans in repayment(1) |  | $ | 650,196 |  |  | $ | 15,165,072 |  |  | $ | 1,175,356 |  |  |
Ending loans in repayment(1) |  | $ | 641,658 |  |  | $ | 15,310,560 |  |  | $ | 1,162,874 |  |  |
____________ (1) Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period.
Impaired financing receivables | The following table provides the recorded investment, unpaid principal balance and related allowance for our TDR loans.
|  | Recorded Investment |  | Unpaid Principal Balance |  | Allowance
March 31, 2020 |  |  |  |  |  |
TDR Loans |  | $ | 1,550,600 |  |  | $ | 1,518,763 |  |  | $ | 150,822 |
December 31, 2019 |  |  |  |  |  |
TDR Loans |  | $ | 1,612,896 |  |  | $ | 1,581,966 |  |  | $ | 186,697 |
Average recorded investment and interest income recognized for troubled debt restructuring loans | Loans held for investment are summarized as follows:
|  | March 31, |  | December 31,
|  | 2020 |  | 2019
Private Education Loans: |  |  |  |  |  |
Fixed-rate |  | $ | 9,813,075 |  |  | $ | 9,830,301 |
Variable-rate |  | 11,813,672 |  |  | 13,359,290 |
Total Private Education Loans, gross |  | 21,626,747 |  |  | 23,189,591 |
Deferred origination costs and unamortized premium/(discount) |  | 65,267 |  |  | 81,224 |
Allowance for loan losses |  | (1,515,781) |  |  | (374,300) |
Total Private Education Loans, net |  | 20,176,233 |  |  | 22,896,515 |
FFELP Loans |  | 766,954 |  |  | 783,306 |
Deferred origination costs and unamortized premium/(discount) |  | 2,113 |  |  | 2,143 |
Allowance for loan losses |  | (4,296) |  |  | (1,633) |
Total FFELP Loans, net |  | 764,771 |  |  | 783,816 |
Personal Loans (fixed-rate) |  | 899,704 |  |  | 1,049,007 |
Deferred origination costs and unamortized premium/(discount) |  | 413 |  |  | 513 |
Allowance for loan losses |  | (152,673) |  |  | (65,877) |
Total Personal Loans, net |  | 747,444 |  |  | 983,643 |
Credit Cards (fixed-rate) |  | 7,234 |  |  | 3,884 |
Deferred origination costs and unamortized premium/(discount) |  | 743 |  |  | 36 |
Allowance for loan losses |  | (574) |  |  | (102) |
Total Credit Cards, net |  | 7,403 |  |  | 3,818 |
Loans held for investment, net |  | $ | 21,695,851 |  |  | $ | 24,667,792 |
The average balance and the respective weighted average interest rates of loans in our portfolio are summarized as follows:
|  | Three Months Ended |  |  |  |  |  |
|  | March 31, |  |  |  |  |  |
|  | 2020 |  |  |  | 2019 |  |
|  | Average Balance |  | Weighted Average Interest Rate |  | Average Balance |  | Weighted Average Interest Rate
Private Education Loans |  | $ | 23,502,844 |  |  | 8.86 | % |  | $ | 21,732,826 |  |  | 9.50 | %
FFELP Loans |  | 776,326 |  |  | 4.29 |  |  | 837,950 |  |  | 4.94 |
Personal Loans |  | 973,671 |  |  | 12.11 |  |  | 1,176,466 |  |  | 11.81 |
Total portfolio |  | $ | 25,252,841 |  |  |  |  | $ | 23,747,242 |  |  |
The following table provides the average recorded investment and interest income recognized for our TDR loans.
|  | Three Months Ended March 31, |  |  |  |  |  |
|  | 2020 |  |  |  | 2019 |  |
|  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
TDR Loans |  | $ | 1,615,764 |  |  | $ | 26,488 |  |  | $ | 1,312,729 |  |  | $ | 21,566 |
Age analysis of past due loans delinquencies |
|  | Private Education Loan Delinquencies by Origination Vintage |  |  |  |  |  |  |  |  |  |  |  |
|  | December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |
|  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | 2015 |  | 2014 and Prior |  | Total
Loans in-school/grace/deferment(1) |  | $ | 1,670,644 |  |  |  | $ | 1,580,513 |  |  |  | $ | 1,010,764 |  |  |  | $ | 635,798 |  |  |  | $ | 375,585 |  |  |  | $ | 414,101 |  |  |  | $ | 5,687,405 |
Loans in forbearance(2) |  | 21,009 |  |  |  | 108,509 |  |  |  | 142,341 |  |  |  | 146,114 |  |  |  | 127,799 |  |  |  | 168,744 |  |  |  | 714,516 |
Loans in repayment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans current |  | 2,340,221 |  |  |  | 3,159,878 |  |  |  | 2,781,132 |  |  |  | 2,566,815 |  |  |  | 2,225,721 |  |  |  | 3,241,884 |  |  |  | 16,315,651 |
Loans delinquent 31-60 days(3) |  | 11,152 |  |  |  | 26,096 |  |  |  | 44,382 |  |  |  | 51,656 |  |  |  | 54,559 |  |  |  | 100,206 |  |  |  | 288,051 |
Loans delinquent 61-90 days(3) |  | 3,087 |  |  |  | 9,527 |  |  |  | 17,048 |  |  |  | 21,161 |  |  |  | 24,562 |  |  |  | 45,917 |  |  |  | 121,302 |
Loans delinquent greater than 90 days(3) |  | 935 |  |  |  | 3,850 |  |  |  | 7,818 |  |  |  | 12,314 |  |  |  | 12,946 |  |  |  | 24,803 |  |  |  | 62,666 |
Total Private Education Loans in repayment |  | 2,355,395 |  |  |  | 3,199,351 |  |  |  | 2,850,380 |  |  |  | 2,651,946 |  |  |  | 2,317,788 |  |  |  | 3,412,810 |  |  |  | 16,787,670 |
Total Private Education Loans, gross |  | 4,047,048 |  |  |  | 4,888,373 |  |  |  | 4,003,485 |  |  |  | 3,433,858 |  |  |  | 2,821,172 |  |  |  | 3,995,655 |  |  |  | 23,189,591 |
Private Education Loans deferred origination costs and unamortized premium/(discount) |  | 23,661 |  |  |  | 17,699 |  |  |  | 13,843 |  |  |  | 12,304 |  |  |  | 8,564 |  |  |  | 5,153 |  |  |  | 81,224 |
Total Private Education Loans |  | 4,070,709 |  |  |  | 4,906,072 |  |  |  | 4,017,328 |  |  |  | 3,446,162 |  |  |  | 2,829,736 |  |  |  | 4,000,808 |  |  |  | 23,270,815 |
Private Education Loans allowance for losses |  | (3,013) |  |  |  | (19,105) |  |  |  | (44,858) |  |  |  | (71,598) |  |  |  | (80,974) |  |  |  | (154,752) |  |  |  | (374,300) |
Private Education Loans, net |  | $ | 4,067,696 |  |  |  | $ | 4,886,967 |  |  |  | $ | 3,972,470 |  |  |  | $ | 3,374,564 |  |  |  | $ | 2,748,762 |  |  |  | $ | 3,846,056 |  |  |  | $ | 22,896,515 |
Percentage of Private Education Loans in repayment |  | 58.2 % |  |  | 65.4 % |  |  | 71.2 % |  |  | 77.2 % |  |  | 82.2 % |  |  | 85.4 % |  |  | 72.4 % |
Delinquencies as a percentage of Private Education Loans in repayment |  | 0.6 % |  |  | 1.2 % |  |  | 2.4 % |  |  | 3.2 % |  |  | 4.0 % |  |  | 5.0 % |  |  | 2.8 % |
Loans in forbearance as a percentage of loans in repayment and forbearance |  | 0.9 % |  |  | 3.3 % |  |  | 4.8 % |  |  | 5.2 % |  |  | 5.2 % |  |  | 4.7 % |  |  | 4.1 % |
______ (1)Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation). (2)Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures. (3)The period of delinquency is based on the number of days scheduled payments are contractually past due
Modified loans accounts for troubled debt restructuring | The following table provides the amount of modified loans (which include forbearance and reductions in interest rates) that became TDRs in the periods presented. Additionally, for the periods presented, the table summarizes charge-offs occurring in the TDR portfolio, as well as TDRs for which a payment default occurred in the relevant period presented and within 12 months of the loan first being designated as a TDR. We define payment default as 60 days past due for this disclosure.
|  | Three Months Ended March 31, 2020 |  |  |  |  |  | Three Months Ended March 31, 2019 |  |  |  |  |  |  |  |  |  |
|  | Modified Loans(1) |  | Charge-offs |  | Payment- Default |  | Modified Loans(1) |  | Charge-offs |  | Payment- Default |  |  |  |  |  |
TDR Loans |  | $ | 132,815 |  |  | $ | 19,375 |  |  | $ | 30,725 |  |  | $ | 111,208 |  |  | $ | 16,005 |  |  | $ | 25,462 |  |  |  |  |  |  |
_____ (1)Represents the principal balance of loans that have been modified during the period and resulted in a TDR.
Private education loan portfolio stratified by key credit quality indicators | The following tables highlights the gross principal balance of our Private Education Loan portfolio, by year of origination, stratified by key credit quality indicators.
|  | Private Education Loans Credit Quality Indicators |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Year of Origination |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | 2015 and Prior |  | Total |  | % of Balance
Cosigners: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With cosigner |  | $ | 698,291 |  |  | $ | 4,527,042 |  |  | $ | 3,311,178 |  |  | $ | 2,869,295 |  |  | $ | 2,515,751 |  |  | $ | 5,295,854 |  |  | $ | 19,217,411 |  |  | 89 | %
Without cosigner |  | 126,138 |  |  |  | 676,071 |  |  |  | 489,070 |  |  |  | 353,832 |  |  |  | 268,799 |  |  |  | 495,426 |  |  |  | 2,409,336 |  |  | 11 |
Total |  | $ | 824,429 |  |  | $ | 5,203,113 |  |  | $ | 3,800,248 |  |  | $ | 3,223,127 |  |  | $ | 2,784,550 |  |  | $ | 5,791,280 |  |  | $ | 21,626,747 |  |  | 100 | %
FICO at Origination: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Less than 670 |  | $ | 62,064 |  |  | $ | 363,345 |  |  | $ | 274,016 |  |  | $ | 237,052 |  |  | $ | 197,390 |  |  | $ | 446,246 |  |  | $ | 1,580,113 |  |  | 7 | %
670-699 |  | 123,512 |  |  |  | 757,806 |  |  |  | 555,719 |  |  |  | 502,930 |  |  |  | 435,075 |  |  |  | 955,404 |  |  |  | 3,330,446 |  |  | 15 |
700-749 |  | 268,388 |  |  |  | 1,688,114 |  |  |  | 1,243,712 |  |  |  | 1,068,091 |  |  |  | 937,643 |  |  |  | 1,933,589 |  |  |  | 7,139,537 |  |  | 33 |
Greater than or equal to 750 |  | 370,465 |  |  |  | 2,393,848 |  |  |  | 1,726,801 |  |  |  | 1,415,054 |  |  |  | 1,214,442 |  |  |  | 2,456,041 |  |  |  | 9,576,651 |  |  | 45 |
Total |  | $ | 824,429 |  |  | $ | 5,203,113 |  |  | $ | 3,800,248 |  |  | $ | 3,223,127 |  |  | $ | 2,784,550 |  |  | $ | 5,791,280 |  |  | $ | 21,626,747 |  |  | 100 | %
FICO Refreshed: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Less than 670 |  | $ | 86,212 |  |  | $ | 544,160 |  |  | $ | 442,893 |  |  | $ | 419,466 |  |  | $ | 400,833 |  |  | $ | 1,029,741 |  |  | $ | 2,923,305 |  |  | 14 | %
670-699 |  | 127,503 |  |  |  | 735,546 |  |  |  | 495,808 |  |  |  | 400,096 |  |  |  | 324,334 |  |  |  | 651,732 |  |  |  | 2,735,019 |  |  | 13 |
700-749 |  | 261,585 |  |  |  | 1,633,986 |  |  |  | 1,145,724 |  |  |  | 952,467 |  |  |  | 795,350 |  |  |  | 1,542,487 |  |  |  | 6,331,599 |  |  | 29 |
Greater than or equal to 750 |  | 349,129 |  |  |  | 2,289,421 |  |  |  | 1,715,823 |  |  |  | 1,451,098 |  |  |  | 1,264,033 |  |  |  | 2,567,320 |  |  |  | 9,636,824 |  |  | 44 |
Total |  | $ | 824,429 |  |  | $ | 5,203,113 |  |  | $ | 3,800,248 |  |  | $ | 3,223,127 |  |  | $ | 2,784,550 |  |  | $ | 5,791,280 |  |  | $ | 21,626,747 |  |  | 100 | %
Seasoning(2): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-12 payments |  | $ | 460,330 |  |  | $ | 2,838,628 |  |  | $ | 469,314 |  |  | $ | 529,441 |  |  | $ | 460,742 |  |  | $ | 715,809 |  |  | $ | 5,474,264 |  |  | 25 | %
13-24 payments |  | — |  |  |  | 255,403 |  |  |  | 1,979,761 |  |  |  | 277,499 |  |  |  | 258,606 |  |  |  | 580,426 |  |  |  | 3,351,695 |  |  | 15 |
25-36 payments |  | — |  |  |  | — |  |  |  | 169,436 |  |  |  | 1,494,597 |  |  |  | 268,357 |  |  |  | 538,209 |  |  |  | 2,470,599 |  |  | 11 |
37-48 payments |  | — |  |  |  | — |  |  |  | — |  |  |  | 117,409 |  |  |  | 1,194,038 |  |  |  | 568,792 |  |  |  | 1,880,239 |  |  | 9 |
More than 48 payments |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 87,201 |  |  |  | 2,714,272 |  |  |  | 2,801,473 |  |  | 13 |
Not yet in repayment |  | 364,099 |  |  |  | 2,109,082 |  |  |  | 1,181,737 |  |  |  | 804,181 |  |  |  | 515,606 |  |  |  | 673,772 |  |  |  | 5,648,477 |  |  | 27 |
Total |  | $ | 824,429 |  |  |  | $ | 5,203,113 |  |  |  | $ | 3,800,248 |  |  |  | $ | 3,223,127 |  |  |  | $ | 2,784,550 |  |  |  | $ | 5,791,280 |  |  |  | $ | 21,626,747 |  |  | 100 | %
Current period gross charge-offs |  | $ | — |  |  |  | $ | (1,597) |  |  |  | $ | (5,241) |  |  |  | $ | (8,136) |  |  |  | $ | (10,284) |  |  |  | $ | (26,211) |  |  |  | $ | (51,469) |  |  |
Current period recoveries |  | — |  |  |  | 92 |  |  |  | 599 |  |  |  | 1,080 |  |  |  | 1,505 |  |  |  | 4,700 |  |  |  | 7,976 |  |  |
Current period net charge-offs |  | $ | — |  |  |  | $ | (1,505) |  |  |  | $ | (4,642) |  |  |  | $ | (7,056) |  |  |  | $ | (8,779) |  |  |  | $ | (21,511) |  |  |  | $ | (43,493) |  |  |
Total accrued interest by origination vintage |  | $ | 9,927 |  |  |  | $ | 181,551 |  |  |  | $ | 281,619 |  |  |  | $ | 279,039 |  |  |  | $ | 217,988 |  |  |  | $ | 288,627 |  |  |  | $ | 1,258,751 |  |  |
______ (1)Balance represents gross Private Education Loans. (2)Represents the higher credit score of the cosigner or the borrower. (3)Represents the FICO score updated as of the first-quarter 2020. (4)Number of months in active repayment (whether interest only payment, fixed payment, or full principal and interest payment status) for which a scheduled payment was due. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Private Education Loans Credit Quality Indicators |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Year of Origination |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | 2015 |  | 2014 and Prior |  | Total |  | % of Balance
Cosigners: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With cosigner |  | $ | 3,475,256 |  |  | $ | 4,303,772 |  |  | $ | 3,575,973 |  |  | $ | 3,112,873 |  |  | $ | 2,579,214 |  |  | $ | 3,662,547 |  |  | $ | 20,709,635 |  |  | 89 | %
Without cosigner |  | 571,792 |  |  |  | 584,601 |  |  |  | 427,512 |  |  |  | 320,985 |  |  |  | 241,958 |  |  |  | 333,108 |  |  |  | 2,479,956 |  |  | 11 |
Total |  | $ | 4,047,048 |  |  | $ | 4,888,373 |  |  | $ | 4,003,485 |  |  | $ | 3,433,858 |  |  | $ | 2,821,172 |  |  | $ | 3,995,655 |  |  | $ | 23,189,591 |  |  | 100 | %
FICO at Origination: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Less than 670 |  | $ | 283,040 |  |  | $ | 343,613 |  |  | $ | 285,747 |  |  | $ | 236,457 |  |  | $ | 203,145 |  |  | $ | 313,587 |  |  | $ | 1,665,589 |  |  | 7 | %
670-699 |  | 592,376 |  |  |  | 714,779 |  |  |  | 617,676 |  |  |  | 529,575 |  |  |  | 439,050 |  |  |  | 676,569 |  |  |  | 3,570,025 |  |  | 16 |
700-749 |  | 1,319,563 |  |  |  | 1,601,904 |  |  |  | 1,325,387 |  |  |  | 1,155,253 |  |  |  | 944,135 |  |  |  | 1,324,506 |  |  |  | 7,670,748 |  |  | 33 |
Greater than or equal to 750 |  | 1,852,069 |  |  |  | 2,228,077 |  |  |  | 1,774,675 |  |  |  | 1,512,573 |  |  |  | 1,234,842 |  |  |  | 1,680,993 |  |  |  | 10,283,229 |  |  | 44 |
Total |  | $ | 4,047,048 |  |  | $ | 4,888,373 |  |  | $ | 4,003,485 |  |  | $ | 3,433,858 |  |  | $ | 2,821,172 |  |  | $ | 3,995,655 |  |  | $ | 23,189,591 |  |  | 100 | %
FICO Refreshed: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Less than 670 |  | $ | 401,979 |  |  | $ | 515,901 |  |  | $ | 475,007 |  |  | $ | 449,568 |  |  | $ | 419,308 |  |  | $ | 717,674 |  |  | $ | 2,979,437 |  |  | 13 | %
670-699 |  | 582,256 |  |  |  | 645,422 |  |  |  | 497,497 |  |  |  | 397,889 |  |  |  | 308,607 |  |  |  | 451,451 |  |  |  | 2,883,122 |  |  | 13 |
700-749 |  | 1,284,867 |  |  |  | 1,506,849 |  |  |  | 1,199,564 |  |  |  | 994,309 |  |  |  | 772,205 |  |  |  | 1,048,808 |  |  |  | 6,806,602 |  |  | 29 |
Greater than or equal to 750 |  | 1,777,946 |  |  |  | 2,220,201 |  |  |  | 1,831,417 |  |  |  | 1,592,092 |  |  |  | 1,321,052 |  |  |  | 1,777,722 |  |  |  | 10,520,430 |  |  | 45 |
Total |  | $ | 4,047,048 |  |  | $ | 4,888,373 |  |  | $ | 4,003,485 |  |  | $ | 3,433,858 |  |  | $ | 2,821,172 |  |  | $ | 3,995,655 |  |  | $ | 23,189,591 |  |  | 100 | %
Seasoning(2): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-12 payments |  | $ | 2,376,404 |  |  | $ | 719,158 |  |  | $ | 705,181 |  |  | $ | 617,174 |  |  | $ | 462,946 |  |  | $ | 470,839 |  |  | $ | 5,351,702 |  |  | 23 | %
13-24 payments |  | — |  | 2,588,702 |  | 424,953 |  | 305,078 |  | 285,513 |  | 399,905 |  | 4,004,151 |  | 17 |
25-36 payments |  | — |  | — |  | 1,862,587 |  | 418,048 |  | 227,391 |  | 394,339 |  | 2,902,365 |  | 12 |
37-48 payments |  | — |  | — |  | — |  | 1,457,760 |  | 413,508 |  | 342,676 |  | 2,213,944 |  | 10 |
More than 48 payments |  | — |  | — |  | — |  | — |  | 1,056,229 |  | 1,973,795 |  | 3,030,024 |  | 13 |
Not yet in repayment |  | 1,670,644 |  | 1,580,513 |  | 1,010,764 |  | 635,798 |  | 375,585 |  | 414,101 |  | 5,687,405 |  | 25 |
Total |  | $ | 4,047,048 |  |  |  | $ | 4,888,373 |  |  |  | $ | 4,003,485 |  |  |  | $ | 3,433,858 |  |  |  | $ | 2,821,172 |  |  |  | $ | 3,995,655 |  |  |  | $ | 23,189,591 |  |  | 100 | %
2019 gross charge-offs |  | $ | (1,697) |  |  |  | $ | (14,650) |  |  |  | $ | (29,119) |  |  |  | $ | (40,576) |  |  |  | $ | (41,141) |  |  |  | $ | (81,795) |  |  |  | $ | (208,978) |  |  |
2019 recoveries |  | 69 |  |  |  | 1,016 |  |  |  | 2,622 |  |  |  | 4,431 |  |  |  | 5,175 |  |  |  | 12,452 |  |  |  | 25,765 |  |  |
2019 net charge-offs |  | $ | (1,628) |  |  |  | $ | (13,634) |  |  |  | $ | (26,497) |  |  |  | $ | (36,145) |  |  |  | $ | (35,966) |  |  |  | $ | (69,343) |  |  |  | $ | (183,213) |  |  |
Total accrued interest by origination vintage |  | $ | 116,423 |  |  |  | $ | 321,568 |  |  |  | $ | 327,002 |  |  |  | $ | 261,083 |  |  |  | $ | 165,764 |  |  |  | $ | 174,318 |  |  |  | $ | 1,366,158 |  |  |
______ (1)Balance represents gross Private Education Loans. (2)Represents the higher credit score of the cosigner or the borrower. (3)Represents the FICO score updated as of the fourth-quarter 2019. (4)Number of months in active repayment (whether interest only payment, fixed payment, or full principal and interest payment status) for which a scheduled payment was due. The following tables highlights the gross principal balance of our Personal Loan portfolio, by year of origination, stratified by key credit quality indicators.
|  | Personal Loans Credit Quality Indicators |  |  |  |  |  |  |  |  |  |  |  |
|  | March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |
Year of Origination |  | 2020(1) |  | 2019(1) |  | 2018(1) |  | 2017(1) |  | 2016(1) |  | Total(1) |  | % of Balance
FICO at Origination: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Less than 670 |  | $ | — |  |  |  | $ | 7,501 |  |  |  | $ | 26,745 |  |  |  | $ | 5,072 |  |  |  | $ | — |  |  |  | $ | 39,318 |  |  | 4 | %
670-699 |  | — |  |  |  | 70,479 |  |  |  | 128,797 |  |  |  | 21,295 |  |  |  | 47 |  |  |  | 220,618 |  |  | 25 |
700-749 |  | 40 |  |  |  | 195,857 |  |  |  | 215,424 |  |  |  | 37,261 |  |  |  | 456 |  |  |  | 449,038 |  |  | 50 |
Greater than or equal to 750 |  | — |  |  |  | 91,012 |  |  |  | 84,726 |  |  |  | 14,708 |  |  |  | 284 |  |  |  | 190,730 |  |  | 21 |
Total |  | $ | 40 |  |  |  | $ | 364,849 |  |  |  | $ | 455,692 |  |  |  | $ | 78,336 |  |  |  | $ | 787 |  |  |  | $ | 899,704 |  |  | 100 | %
Seasoning(2): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-12 payments |  | $ | 40 |  |  |  | $ | 331,474 |  |  |  | $ | 400 |  |  |  | $ | — |  |  |  | $ | — |  |  |  | $ | 331,914 |  |  | 37 | %
13-24 payments |  | — |  |  |  | 33,375 |  |  |  | 393,608 |  |  |  | 6 |  |  |  | — |  |  |  | 426,989 |  |  | 48 |
25-36 payments |  | — |  |  |  | — |  |  |  | 61,684 |  |  |  | 76,924 |  |  |  | — |  |  |  | 138,608 |  |  | 15 |
37-48 payments |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,406 |  |  |  | 787 |  |  |  | 2,193 |  |  | — |
More than 48 payments |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  | — |
Not yet in repayment |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  | — |
Total |  | $ | 40 |  |  |  | $ | 364,849 |  |  |  | $ | 455,692 |  |  |  | $ | 78,336 |  |  |  | $ | 787 |  |  |  | $ | 899,704 |  |  | 100 | %
Current period gross charge-offs |  | $ | — |  |  |  | $ | (2,885) |  |  |  | $ | (13,758) |  |  |  | $ | (2,563) |  |  |  | $ | (41) |  |  |  | $ | (19,247) |  |  |
Current period recoveries |  | — |  |  |  | 15 |  |  |  | 1,127 |  |  |  | 389 |  |  |  | 11 |  |  |  | 1,542 |  |  |
Current period net charge-offs |  | $ | — |  |  |  | $ | (2,870) |  |  |  | $ | (12,631) |  |  |  | $ | (2,174) |  |  |  | $ | (30) |  |  |  | $ | (17,705) |  |  |
Total accrued interest by origination vintage |  | $ | — |  |  |  | $ | 3,161 |  |  |  | $ | 3,443 |  |  |  | $ | 414 |  |  |  | $ | 3 |  |  |  | $ | 7,021 |  |  |
______ (1)Balance represents gross Personal Loans. (2)Number of months in active repayment for which a scheduled payment was due.
|  | Personal Loans Credit Quality Indicators |  |  |  |  |  |  |  |  |  |  |  |
|  | December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |
Year of Origination |  | 2019(1) |  | 2018(1) |  | 2017(1) |  | 2016(1) |  |  |  | Total(1) |  | % of Balance
FICO at Origination: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Less than 670 |  | $ | 8,315 |  |  | $ | 32,021 |  |  | $ | 7,030 |  |  | $ | 1 |  |  |  |  | $ | 47,367 |  |  | 4 | %
670-699 |  | 77,746 |  |  | 152,909 |  |  | 28,384 |  |  | 59 |  |  |  |  | 259,098 |  |  | 25 |
700-749 |  | 217,642 |  |  | 255,374 |  |  | 48,254 |  |  | 586 |  |  |  |  | 521,856 |  |  | 50 |
Greater than or equal to 750 |  | 101,073 |  |  | 100,480 |  |  | 18,795 |  |  | 338 |  |  |  |  | 220,686 |  |  | 21 |
Total |  | $ | 404,776 |  |  | $ | 540,784 |  |  | $ | 102,463 |  |  | $ | 984 |  |  |  |  | $ | 1,049,007 |  |  | 100 | %
Seasoning(2): |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-12 payments |  | $ | 404,776 |  |  |  | $ | 65,164 |  |  |  | $ | — |  |  |  | $ | — |  |  |  |  |  | $ | 469,940 |  |  | 45 | %
13-24 payments |  | — |  |  |  | 475,620 |  |  |  | 29,698 |  |  |  | — |  |  |  |  |  | 505,318 |  |  | 48 |
25-36 payments |  | — |  |  |  | — |  |  |  | 72,765 |  |  |  | 984 |  |  |  |  |  | 73,749 |  |  | 7 |
37-48 payments |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  |  |  | — |  |  | — |
More than 48 payments |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  |  |  | — |  |  | — |
Not yet in repayment |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  |  |  | — |  |  | — |
Total |  | $ | 404,776 |  |  |  | $ | 540,784 |  |  |  | $ | 102,463 |  |  |  | $ | 984 |  |  |  |  |  | $ | 1,049,007 |  |  | 100 | %
2019 gross charge-offs |  | $ | (2,350) |  |  |  | $ | (58,134) |  |  |  | $ | (13,693) |  |  |  | $ | (136) |  |  |  |  |  | $ | (74,313) |  |  |
2019 recoveries |  | 48 |  |  |  | 3,397 |  |  |  | 1,722 |  |  |  | 39 |  |  |  |  |  | 5,206 |  |  |
2019 net charge-offs |  | $ | (2,302) |  |  |  | $ | (54,737) |  |  |  | $ | (11,971) |  |  |  | $ | (97) |  |  |  |  |  | $ | (69,107) |  |  |
Total accrued interest by origination vintage |  | $ | 3,431 |  |  |  | $ | 4,166 |  |  |  | $ | 572 |  |  |  | $ | 5 |  |  |  |  |  | $ | 8,174 |  |  |
______ (1)Balance represents gross Personal Loans. (2)Number of months in active repayment for which a scheduled payment was due. The following tables provides information regarding the loan status of our Personal Loans, by vintage.
|  | Personal Loan Delinquencies by Origination Vintage |  |  |  |  |  |  |  |  |  |  |  |
|  | March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |
|  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Total |  | % of Balance
Loans in Forbearance |  | $ | — |  |  |  | $ | 12,380 |  |  |  | $ | 7,137 |  |  |  | $ | — |  |  |  | $ | — |  |  |  | $ | 19,517 |  |  |
Loans in repayment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans current |  | 40 |  |  |  | 346,123 |  |  |  | 433,664 |  |  |  | 76,188 |  |  |  | 787 |  |  |  | 856,802 |  |  |  | 97.4 | %
Loans delinquent 31-60 days(1) |  | — |  |  |  | 3,321 |  |  |  | 7,448 |  |  |  | 810 |  |  |  | — |  |  |  | 11,579 |  |  |  | 1.3 |
Loans delinquent 61-90 days(1) |  | — |  |  |  | 991 |  |  |  | 2,663 |  |  |  | 701 |  |  |  | — |  |  |  | 4,355 |  |  |  | 0.5 |
Loans delinquent greater than 90 days(1) |  | — |  |  |  | 2,034 |  |  |  | 4,781 |  |  |  | 636 |  |  |  | — |  |  |  | 7,451 |  |  |  | 0.8 |
Total Personal Loans in repayment |  | 40 |  |  |  | 352,469 |  |  |  | 448,556 |  |  |  | 78,335 |  |  |  | 787 |  |  |  | 880,187 |  |  | 100.0 | %
Total Personal Loans, gross |  | 40 |  |  |  | 364,849 |  |  |  | 455,693 |  |  |  | 78,335 |  |  |  | 787 |  |  |  | 899,704 |  |  |
Personal Loans deferred origination costs and unamortized premium/(discount) |  | — |  |  |  | 335 |  |  |  | 78 |  |  |  | — |  |  |  | — |  |  |  | 413 |  |  |
Total Personal Loans |  | 40 |  |  |  | 365,184 |  |  |  | 455,771 |  |  |  | 78,335 |  |  |  | 787 |  |  |  | 900,117 |  |  |
Personal Loans allowance for loan losses |  | (6) |  |  |  | (51,280) |  |  |  | (89,194) |  |  |  | (12,110) |  |  |  | (83) |  |  |  | (152,673) |  |  |
Personal Loans, net |  | $ | 34 |  |  |  | $ | 313,904 |  |  |  | $ | 366,577 |  |  |  | $ | 66,225 |  |  |  | $ | 704 |  |  |  | $ | 747,444 |  |  |
Delinquencies as a percentage of Personal Loans in repayment |  | — | % |  |  | 1.8 | % |  |  | 3.3 | % |  |  | 2.7 | % |  |  | — | % |  |  | 2.6 | % |  |
_______ (1)The period of delinquency is based on the number of days scheduled payments are contractually past due.
|  | Personal Loan Delinquencies by Origination Vintage |  |  |  |  |  |  |  |  |  |  |  |
|  | December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |
|  | 2019 |  | 2018 |  | 2017 |  | 2016 |  |  |  | Total |  | % of Balance
Loans in Forbearance |  | $ | — |  |  |  | $ | — |  |  |  | $ | — |  |  |  | $ | — |  |  |  |  |  | $ | — |  |  |
Loans in repayment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans current |  | 400,216 |  |  |  | 522,778 |  |  |  | 99,581 |  |  |  | 942 |  |  |  |  |  | 1,023,517 |  |  | 97.6 | %
Loans delinquent 31-60 days(1) |  | 2,164 |  |  |  | 6,213 |  |  |  | 1,045 |  |  |  | 13 |  |  |  |  |  | 9,435 |  |  | 0.9 |
Loans delinquent 61-90 days(1) |  | 1,074 |  |  |  | 5,148 |  |  |  | 943 |  |  |  | 7 |  |  |  |  |  | 7,172 |  |  | 0.7 |
Loans delinquent greater than 90 days(1) |  | 1,322 |  |  |  | 6,645 |  |  |  | 895 |  |  |  | 21 |  |  |  |  |  | 8,883 |  |  | 0.8 |
Total Personal Loans in repayment |  | 404,776 |  |  |  | 540,784 |  |  |  | 102,464 |  |  |  | 983 |  |  |  |  |  | 1,049,007 |  |  | 100.0 | %
Total Personal Loans, gross |  | 404,776 |  |  |  | 540,784 |  |  |  | 102,464 |  |  |  | 983 |  |  |  |  |  | 1,049,007 |  |  |
Personal Loans deferred origination costs and unamortized premium/(discount) |  | 380 |  |  |  | 133 |  |  |  | — |  |  |  | — |  |  |  |  |  | 513 |  |  |
Total Personal Loans |  | 405,156 |  |  |  | 540,917 |  |  |  | 102,464 |  |  |  | 983 |  |  |  |  |  | 1,049,520 |  |  |
Personal Loans allowance for loan losses |  | (21,589) |  |  |  | (37,492) |  |  |  | (6,722) |  |  |  | (74) |  |  |  |  |  | (65,877) |  |  |
Personal Loans, net |  | $ | 383,567 |  |  |  | $ | 503,425 |  |  |  | $ | 95,742 |  |  |  | $ | 909 |  |  |  |  |  | $ | 983,643 |  |  |
Delinquencies as a percentage of Personal Loans in repayment |  | 1.1 | % |  |  | 3.3 | % |  |  | 2.8 | % |  |  | 4.2 | % |  |  |  |  | 2.4 | % |  |
_______ (1)The period of delinquency is based on the number of days scheduled payments are contractually past due.
Accrued interest receivable | The following table provides information regarding accrued interest receivable on our Private Education Loans. The table also discloses the amount of accrued interest on loans greater than 90 days past due as compared to our allowance for uncollectible interest on loans making full interest payments. The majority of the total accrued interest receivable represents accrued interest on deferred loans where no payments are due while the borrower is in school and fixed-pay loans where the borrower makes a $25 monthly payment that is smaller than the interest accruing on the loan in that month. The accrued interest on these loans will be capitalized to the balance of the loans when the borrower exits the grace period after separation from school. The allowance for this portion of interest is included in our loan loss reserve. The allowance for uncollectible interest exceeds the amount of accrued interest on our 90 days past due Private Education Loan portfolio for all periods presented.
|  | Private Education Loans |  |  |  |
|  | Accrued Interest Receivable |  |  |  |
|  | Total Interest Receivable |  | Greater Than 90 Days Past Due |  | Allowance for Uncollectible Interest
March 31, 2020 |  | $ | 1,258,751 |  |  | $ | 3,127 |  |  | $ | 3,479 |
December 31, 2019 |  | $ | 1,366,158 |  |  | $ | 2,390 |  |  | $ | 5,309 |

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953659-111524 + Details
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- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5212-111524 + Details
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- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=118955255&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5111-111524 + Details
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- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 + Details
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- Definition Tabular disclosure of financing receivable modified as troubled debt restructuring. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953676-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953682-111524 + Details
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