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Allowance for Credit Losses - Loan Portfolio Stratified by Key Credit Quality Indicators (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2021 | Dec. 31, 2020 | Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Transfer of allowance for funded loans | $ (230,268) | $ (245,043) | $ (284,114)
Current period recoveries | 29,506 | 29,007 | 30,971
Net charge-offs | (200,762) | (216,036) | (253,143)
Consumer Portfolio Segment | Student Loan |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Current period gross charge-offs, Year 1 | (1,183) | (1,087) |
Current period gross charge-offs, Year 2 | (8,604) | (10,940) |
Current period gross charge-offs, Year 3 | (23,866) | (27,000) |
Current period gross charge-offs, Year 4 | (32,741) | (35,851) |
Current period gross charge-offs, Year 5 | (37,186) | (36,416) |
Current period gross charge-offs, Year 6 | (126,011) | (94,032) |
Transfer of allowance for funded loans | (229,591) | (205,326) |
Current period recoveries, Year 1 | 35 | 42 |
Current period recoveries, Year 2 | 540 | 636 |
Current period recoveries, Year 3 | 2,092 | 2,274 |
Current period recoveries, Year 4 | 3,693 | 3,585 |
Current period recoveries, Year 5 | 4,450 | 4,284 |
Current period recoveries, Year 6 | 18,684 | 13,200 |
Current period recoveries | 29,494 | 24,021 |
Current period net charge-offs, Year 1 | (1,148) | (1,045) |
Current period net charge-offs, Year 2 | (8,064) | (10,304) |
Current period net charge-offs, Year 3 | (21,774) | (24,726) |
Current period net charge-offs, Year 4 | (29,048) | (32,266) |
Current period net charge-offs, Year 5 | (32,736) | (32,132) |
Current period net charge-offs, Year 6 | (107,327) | (80,832) |
Net charge-offs | (200,097) | (181,305) |
Total accrued interest by origination vintage, Year 1 | 109,233 | 90,438 |
Total accrued interest by origination vintage, Year 2 | 247,418 | 265,688 |
Total accrued interest by origination vintage, Year 3 | 270,242 | 252,251 |
Total accrued interest by origination vintage, Year 4 | 198,816 | 209,178 |
Total accrued interest by origination vintage, Year 5 | 131,685 | 141,094 |
Total accrued interest by origination vintage, Year 6 | 229,729 | 210,247 |
Total accrued interest by origination vintage | 1,187,123 | 1,168,896 |
Consumer Portfolio Segment | Student Loan | Loan delinquent, current |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | 2,234,876 | 2,043,033 | 2,340,221
Year 2 | 2,786,646 | 2,573,228 | 3,159,878
Year 3 | 2,321,728 | 2,045,012 | 2,781,132
Year 4 | 1,772,651 | 1,850,539 | 2,566,815
Year 5 | 1,570,815 | 1,685,572 | 2,225,721
Year 6 | 4,319,057 | 3,701,564 | 3,241,884
Total | 15,005,773 | 13,898,948 | 16,315,651
Consumer Portfolio Segment | Student Loan | Loan delinquent 30-59 days |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | 15,148 | 6,400 | 11,152
Year 2 | 29,146 | 16,983 | 26,096
Year 3 | 46,616 | 26,934 | 44,382
Year 4 | 43,197 | 30,771 | 51,656
Year 5 | 41,695 | 33,040 | 54,559
Year 6 | 132,757 | 91,400 | 100,206
Total | 308,559 | 205,528 | 288,051
Consumer Portfolio Segment | Student Loan | Loan delinquent 60-89 days |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | 3,194 | 2,628 | 3,087
Year 2 | 7,441 | 9,143 | 9,527
Year 3 | 14,044 | 15,026 | 17,048
Year 4 | 14,310 | 18,121 | 21,161
Year 5 | 16,425 | 19,064 | 24,562
Year 6 | 61,533 | 55,661 | 45,917
Total | 116,947 | 119,643 | 121,302
Consumer Portfolio Segment | Student Loan | Loan delinquent 90 days or greater past due |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | 642 | 460 | 935
Year 2 | 3,683 | 4,642 | 3,850
Year 3 | 8,453 | 9,396 | 7,818
Year 4 | 10,632 | 12,939 | 12,314
Year 5 | 11,935 | 14,710 | 12,946
Year 6 | 44,588 | 38,555 | 24,803
Total | 79,933 | 80,702 | 62,666
Consumer Portfolio Segment | Student Loan | With cosigner |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | 3,263,892 | 2,915,328 |
Year 2 | 3,604,553 | 3,467,219 |
Year 3 | 2,778,262 | 2,556,400 |
Year 4 | 2,025,463 | 2,262,635 |
Year 5 | 1,765,719 | 1,977,952 |
Year 6 | 4,753,775 | 4,198,748 |
Total | $ 18,191,664 | $ 17,378,282 |
Private education loans | 88.00% | 88.00% |
Consumer Portfolio Segment | Student Loan | Without cosigner |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 558,469 | $ 527,437 |
Year 2 | 561,730 | 559,629 |
Year 3 | 438,263 | 384,111 |
Year 4 | 294,597 | 277,159 |
Year 5 | 212,514 | 211,270 |
Year 6 | 459,626 | 391,449 |
Total | $ 2,525,199 | $ 2,351,055 |
Private education loans | 12.00% | 12.00% |
Consumer Portfolio Segment | Student Loan | Cosigners |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 3,822,361 | $ 3,442,765 |
Year 2 | 4,166,283 | 4,026,848 |
Year 3 | 3,216,525 | 2,940,511 |
Year 4 | 2,320,060 | 2,539,794 |
Year 5 | 1,978,233 | 2,189,222 |
Year 6 | 5,213,401 | 4,590,197 |
Total | $ 20,716,863 | $ 19,729,337 |
Total in percent | 100.00% | 100.00% |
Consumer Portfolio Segment | Student Loan | School Type/FICO Scores |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 3,822,361 | $ 3,442,765 |
Year 2 | 4,166,283 | 4,026,848 |
Year 3 | 3,216,525 | 2,940,511 |
Year 4 | 2,320,060 | 2,539,794 |
Year 5 | 1,978,233 | 2,189,222 |
Year 6 | 5,213,401 | 4,590,197 |
Total | $ 20,716,863 | $ 19,729,337 |
Total in percent | 100.00% | 100.00% |
Consumer Portfolio Segment | Student Loan | School Type/FICO Scores | FICO score less than 670 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 248,368 | $ 195,214 |
Year 2 | 238,005 | 290,711 |
Year 3 | 251,157 | 225,276 |
Year 4 | 193,123 | 197,948 |
Year 5 | 166,048 | 162,413 |
Year 6 | 428,416 | 369,609 |
Total | $ 1,525,117 | $ 1,441,171 |
Private Education Loans at origination | 7.00% | 7.00% |
Consumer Portfolio Segment | Student Loan | School Type/FICO Scores | FICO score 670-699 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 508,264 | $ 464,785 |
Year 2 | 564,497 | 594,950 |
Year 3 | 493,237 | 441,357 |
Year 4 | 363,313 | 407,394 |
Year 5 | 329,807 | 351,303 |
Year 6 | 884,981 | 771,477 |
Total | $ 3,144,099 | $ 3,031,266 |
Private Education Loans at origination | 15.00% | 16.00% |
Consumer Portfolio Segment | Student Loan | School Type/FICO Scores | FICO score 700-749 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 1,210,833 | $ 1,111,373 |
Year 2 | 1,348,269 | 1,310,390 |
Year 3 | 1,057,001 | 967,802 |
Year 4 | 770,452 | 846,983 |
Year 5 | 660,270 | 740,028 |
Year 6 | 1,753,709 | 1,533,517 |
Total | $ 6,800,534 | $ 6,510,093 |
Private Education Loans at origination | 33.00% | 33.00% |
Consumer Portfolio Segment | Student Loan | School Type/FICO Scores | FICO score greater than 750 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 1,854,896 | $ 1,671,393 |
Year 2 | 2,015,512 | 1,830,797 |
Year 3 | 1,415,130 | 1,306,076 |
Year 4 | 993,172 | 1,087,469 |
Year 5 | 822,108 | 935,478 |
Year 6 | 2,146,295 | 1,915,594 |
Total | $ 9,247,113 | $ 8,746,807 |
Private Education Loans at origination | 45.00% | 44.00% |
Consumer Portfolio Segment | Student Loan | School FICO, Refreshed Amounts |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 3,822,361 | $ 3,442,765 |
Year 2 | 4,166,283 | 4,026,848 |
Year 3 | 3,216,525 | 2,940,511 |
Year 4 | 2,320,060 | 2,539,794 |
Year 5 | 1,978,233 | 2,189,222 |
Year 6 | 5,213,401 | 4,590,197 |
Total | $ 20,716,863 | $ 19,729,337 |
Total in percent | 100.00% | 100.00% |
Consumer Portfolio Segment | Student Loan | School FICO, Refreshed Amounts | FICO score less than 670 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 326,613 | $ 240,154 |
Year 2 | 279,578 | 331,229 |
Year 3 | 273,652 | 301,784 |
Year 4 | 235,684 | 298,195 |
Year 5 | 233,022 | 293,077 |
Year 6 | 739,268 | 734,599 |
Total | $ 2,087,817 | $ 2,199,038 |
Private Education Loans at origination | 10.00% | 11.00% |
Consumer Portfolio Segment | Student Loan | School FICO, Refreshed Amounts | FICO score 670-699 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 506,021 | $ 438,665 |
Year 2 | 475,674 | 493,135 |
Year 3 | 365,133 | 336,966 |
Year 4 | 256,400 | 283,906 |
Year 5 | 209,536 | 231,759 |
Year 6 | 570,605 | 504,779 |
Total | $ 2,383,369 | $ 2,289,210 |
Private Education Loans at origination | 12.00% | 12.00% |
Consumer Portfolio Segment | Student Loan | School FICO, Refreshed Amounts | FICO score 700-749 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 1,209,493 | $ 1,102,666 |
Year 2 | 1,285,015 | 1,248,806 |
Year 3 | 978,763 | 871,677 |
Year 4 | 682,024 | 734,222 |
Year 5 | 568,766 | 603,160 |
Year 6 | 1,448,692 | 1,220,468 |
Total | $ 6,172,753 | $ 5,780,999 |
Private Education Loans at origination | 30.00% | 29.00% |
Consumer Portfolio Segment | Student Loan | School FICO, Refreshed Amounts | FICO score greater than 750 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 1,780,234 | $ 1,661,280 |
Year 2 | 2,126,016 | 1,953,678 |
Year 3 | 1,598,977 | 1,430,084 |
Year 4 | 1,145,952 | 1,223,471 |
Year 5 | 966,909 | 1,061,226 |
Year 6 | 2,454,836 | 2,130,351 |
Total | $ 10,072,924 | $ 9,460,090 |
Private Education Loans at origination | 48.00% | 48.00% |
Consumer Portfolio Segment | Student Loan | Seasoning |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 3,822,361 | $ 3,442,765 |
Year 2 | 4,166,283 | 4,026,848 |
Year 3 | 3,216,525 | 2,940,511 |
Year 4 | 2,320,060 | 2,539,794 |
Year 5 | 1,978,233 | 2,189,222 |
Year 6 | 5,213,401 | 4,590,197 |
Total | $ 20,716,863 | $ 19,729,337 |
Seasoning based on monthly scheduled payments due from 1-12 payments, in percent | 22.00% | 23.00% |
Seasoning based on monthly scheduled payments due from 13 - 24 payments, in percent | 17.00% | 17.00% |
Seasoning based on monthly scheduled payments due from 25 - 36 payments, in percent | 12.00% | 12.00% |
Seasoning based on monthly scheduled payments due from 37 - 48 payments, in percent | 8.00% | 9.00% |
Seasoning based on monthly scheduled payments due from more than 48 payments, in percent | 16.00% | 15.00% |
Seasoning - based on monthly scheduled payments due from not yet in repayment, in percent | 25.00% | 24.00% |
Total in percent | 100.00% | 100.00% |
Consumer Portfolio Segment | Student Loan | Seasoning | 1-12 payments |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | $ 2,265,811 | $ 2,068,517 |
Year 2 | 594,850 | 600,038 |
Year 3 | 515,328 | 469,143 |
Year 4 | 385,246 | 472,258 |
Year 5 | 340,242 | 381,197 |
Year 6 | 501,269 | 507,343 |
Total | 4,602,746 | 4,498,496 |
Consumer Portfolio Segment | Student Loan | Seasoning | 13-24 payments |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | 0 | 163 |
Year 2 | 2,287,737 | 2,096,635 |
Year 3 | 362,674 | 383,977 |
Year 4 | 203,674 | 223,332 |
Year 5 | 211,064 | 217,379 |
Year 6 | 479,540 | 425,345 |
Total | 3,544,689 | 3,346,831 |
Consumer Portfolio Segment | Student Loan | Seasoning | 25-36 payments |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | 0 | 0 |
Year 2 | 173 | 0 |
Year 3 | 1,565,203 | 1,353,567 |
Year 4 | 312,049 | 370,250 |
Year 5 | 164,575 | 181,940 |
Year 6 | 482,369 | 439,337 |
Total | 2,524,369 | 2,345,094 |
Consumer Portfolio Segment | Student Loan | Seasoning | 37-48 payments |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | 0 | 0 |
Year 2 | 0 | 0 |
Year 3 | 0 | 0 |
Year 4 | 983,434 | 965,476 |
Year 5 | 295,206 | 351,433 |
Year 6 | 464,563 | 402,552 |
Total | 1,743,203 | 1,719,461 |
Consumer Portfolio Segment | Student Loan | Seasoning | More than 48 payments |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | 0 | 0 |
Year 2 | 0 | 0 |
Year 3 | 0 | 0 |
Year 4 | 0 | 0 |
Year 5 | 671,138 | 729,510 |
Year 6 | 2,726,304 | 2,310,905 |
Total | 3,397,442 | 3,040,415 |
Consumer Portfolio Segment | Student Loan | Seasoning | Not yet in repayment |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | 1,556,550 | 1,374,085 |
Year 2 | 1,283,523 | 1,330,175 |
Year 3 | 773,320 | 733,824 |
Year 4 | 435,657 | 508,478 |
Year 5 | 296,008 | 327,763 |
Year 6 | 559,356 | 504,715 |
Total | 4,904,414 | 4,779,040 |
Consumer Portfolio Segment | Student Loan | Loans In-School/Grace/Deferment |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 | 1,556,550 | 1,374,085 | 1,670,644
Year 2 | 1,283,523 | 1,330,175 | 1,580,513
Year 3 | 773,320 | 733,824 | 1,010,764
Year 4 | 435,657 | 508,478 | 635,798
Year 5 | 296,008 | 327,763 | 375,585
Year 6 | 559,356 | 504,715 | 414,101
Total | $ 4,904,414 | 4,779,040 | $ 5,687,405
Consumer Portfolio Segment | Student Loan, Borrowers Who Did Not Return To School And Received Extenstion | Loans In-School/Grace/Deferment |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Year 1 |  | $ 401,000 |

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