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v3.22.1

Allowance for Credit Losses - Loan Portfolio Stratified by Key Credit Quality Indicators (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Mar. 31, 2022 | Mar. 31, 2021 | Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Percentage of FFELP loans insured and guaranteed (at least) | 97.00% |  |
Current period gross charge-offs, total | $ (84,066) | $ (55,316) |
Current period recoveries, total | 8,036 | 7,704 |
Net charge-offs | (76,030) | $ (47,612) |
Consumer Portfolio Segment | Student Loan |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
Current period gross charge-offs | 0 |  |
One year before current period gross charge-offs | (1,618) |  | $ (1,183)
Two years before current period gross charge-offs | (7,397) |  | (8,604)
Three years before current period gross charge-offs | (12,931) |  | (23,866)
Four years before current period gross charge-offs | (12,579) |  | (32,741)
Five years before current period gross charge-offs | (49,331) |  | (37,186)
Six years before current period gross charge-offs |  |  | (126,011)
Current period gross charge-offs, total | (83,856) |  | (229,591)
Current period recoveries | 0 |  |
One year before current period recoveries | 107 |  | 35
Two years before current period recoveries | 507 |  | 540
Three years before current period recoveries | 989 |  | 2,092
Four years before current period recoveries | 1,030 |  | 3,693
Five years before current period recoveries | 5,400 |  | 4,450
Six years before current period recoveries |  |  | 18,684
Current period recoveries, total | 8,033 |  | 29,494
Current period net charge-offs | 0 |  |
One year before current period net charge-offs | (1,511) |  | (1,148)
Two years before current period net charge-offs | (6,890) |  | (8,064)
Three years before current period net charge-offs | (11,942) |  | (21,774)
Four years before current period net charge-offs | (11,549) |  | (29,048)
Five years before current period net charge-offs | (43,931) |  | (32,736)
Six years before current period net charge-offs |  |  | (107,327)
Net charge-offs | (75,823) |  | (200,097)
Total accrued interest by origination vintage, 2022 | 9,778 |  |
Total accrued interest by origination vintage, 2021 | 180,992 |  | 109,233
Total accrued interest by origination vintage, 2020 | 269,425 |  | 247,418
Total accrued interest by origination vintage, 2019 | 271,083 |  | 270,242
Total accrued interest by origination vintage, 2018 | 190,288 |  | 198,816
Total accrued interest by origination vintage, 2017 and prior | 320,007 |  | 131,685
Total accrued interest by origination vintage, 2016 and prior |  |  | 229,729
Total accrued interest by origination vintage | 1,241,573 |  | 1,187,123
Consumer Portfolio Segment | Student Loan | With cosigner |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2022 | 664,611 |  |
2021 | 4,368,829 |  | 3,263,892
2020 | 3,450,387 |  | 3,604,553
2019 | 2,626,952 |  | 2,778,262
2018 | 1,898,677 |  | 2,025,463
2017 and Prior | 6,087,363 |  | 1,765,719
2016 and Prior |  |  | 4,753,775
Total | $ 19,096,819 |  | $ 18,191,664
Private education loans | 88.00% |  | 88.00%
Consumer Portfolio Segment | Student Loan | Without cosigner |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2022 | $ 117,001 |  |
2021 | 671,963 |  | $ 558,469
2020 | 533,219 |  | 561,730
2019 | 411,385 |  | 438,263
2018 | 275,611 |  | 294,597
2017 and Prior | 629,371 |  | 212,514
2016 and Prior |  |  | 459,626
Total | $ 2,638,550 |  | $ 2,525,199
Private education loans | 12.00% |  | 12.00%
Consumer Portfolio Segment | Student Loan | With and without cosigners |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2022 | $ 781,612 |  |
2021 | 5,040,792 |  | $ 3,822,361
2020 | 3,983,606 |  | 4,166,283
2019 | 3,038,337 |  | 3,216,525
2018 | 2,174,288 |  | 2,320,060
2017 and Prior | 6,716,734 |  | 1,978,233
2016 and Prior |  |  | 5,213,401
Total | $ 21,735,369 |  | $ 20,716,863
Total in percent | 100.00% |  | 100.00%
Consumer Portfolio Segment | Student Loan | FICO at Origination |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2022 | $ 781,612 |  |
2021 | 5,040,792 |  | $ 3,822,361
2020 | 3,983,606 |  | 4,166,283
2019 | 3,038,337 |  | 3,216,525
2018 | 2,174,288 |  | 2,320,060
2017 and Prior | 6,716,734 |  | 1,978,233
2016 and Prior |  |  | 5,213,401
Total | $ 21,735,369 |  | $ 20,716,863
Total in percent | 100.00% |  | 100.00%
Consumer Portfolio Segment | Student Loan | FICO at Origination | Less than 670 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2022 | $ 58,976 |  |
2021 | 333,682 |  | $ 248,368
2020 | 231,772 |  | 238,005
2019 | 241,643 |  | 251,157
2018 | 183,391 |  | 193,123
2017 and Prior | 561,766 |  | 166,048
2016 and Prior |  |  | 428,416
Total | $ 1,611,230 |  | $ 1,525,117
Private education loans at origination | 7.00% |  | 7.00%
Consumer Portfolio Segment | Student Loan | FICO at Origination | 670-699 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2022 | $ 111,251 |  |
2021 | 669,450 |  | $ 508,264
2020 | 543,884 |  | 564,497
2019 | 468,705 |  | 493,237
2018 | 343,601 |  | 363,313
2017 and Prior | 1,141,747 |  | 329,807
2016 and Prior |  |  | 884,981
Total | $ 3,278,638 |  | $ 3,144,099
Private education loans at origination | 15.00% |  | 15.00%
Consumer Portfolio Segment | Student Loan | FICO at Origination | 700-749 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2022 | $ 251,606 |  |
2021 | 1,591,862 |  | $ 1,210,833
2020 | 1,290,542 |  | 1,348,269
2019 | 999,922 |  | 1,057,001
2018 | 723,591 |  | 770,452
2017 and Prior | 2,257,304 |  | 660,270
2016 and Prior |  |  | 1,753,709
Total | $ 7,114,827 |  | $ 6,800,534
Private education loans at origination | 33.00% |  | 33.00%
Consumer Portfolio Segment | Student Loan | FICO at Origination | Greater than or equal to 750 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2022 | $ 359,779 |  |
2021 | 2,445,798 |  | $ 1,854,896
2020 | 1,917,408 |  | 2,015,512
2019 | 1,328,067 |  | 1,415,130
2018 | 923,705 |  | 993,172
2017 and Prior | 2,755,917 |  | 822,108
2016 and Prior |  |  | 2,146,295
Total | $ 9,730,674 |  | $ 9,247,113
Private education loans at origination | 45.00% |  | 45.00%
Consumer Portfolio Segment | Student Loan | FICO Refreshed |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2022 | $ 781,612 |  |
2021 | 5,040,792 |  | $ 3,822,361
2020 | 3,983,606 |  | 4,166,283
2019 | 3,038,337 |  | 3,216,525
2018 | 2,174,288 |  | 2,320,060
2017 and Prior | 6,716,734 |  | 1,978,233
2016 and Prior |  |  | 5,213,401
Total | $ 21,735,369 |  | $ 20,716,863
Total in percent | 100.00% |  | 100.00%
Consumer Portfolio Segment | Student Loan | FICO Refreshed | Less than 670 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2022 | $ 72,244 |  |
2021 | 472,669 |  | $ 326,613
2020 | 310,819 |  | 279,578
2019 | 292,706 |  | 273,652
2018 | 245,690 |  | 235,684
2017 and Prior | 964,669 |  | 233,022
2016 and Prior |  |  | 739,268
Total | $ 2,358,797 |  | $ 2,087,817
Private education loans at origination | 11.00% |  | 10.00%
Consumer Portfolio Segment | Student Loan | FICO Refreshed | 670-699 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2022 | $ 115,446 |  |
2021 | 670,147 |  | $ 506,021
2020 | 453,846 |  | 475,674
2019 | 343,831 |  | 365,133
2018 | 236,812 |  | 256,400
2017 and Prior | 738,916 |  | 209,536
2016 and Prior |  |  | 570,605
Total | $ 2,558,998 |  | $ 2,383,369
Private education loans at origination | 12.00% |  | 12.00%
Consumer Portfolio Segment | Student Loan | FICO Refreshed | 700-749 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2022 | $ 249,052 |  |
2021 | 1,561,528 |  | $ 1,209,493
2020 | 1,203,084 |  | 1,285,015
2019 | 911,247 |  | 978,763
2018 | 631,484 |  | 682,024
2017 and Prior | 1,855,009 |  | 568,766
2016 and Prior |  |  | 1,448,692
Total | $ 6,411,404 |  | $ 6,172,753
Private education loans at origination | 29.00% |  | 30.00%
Consumer Portfolio Segment | Student Loan | FICO Refreshed | Greater than or equal to 750 |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2022 | $ 344,870 |  |
2021 | 2,336,448 |  | $ 1,780,234
2020 | 2,015,857 |  | 2,126,016
2019 | 1,490,553 |  | 1,598,977
2018 | 1,060,302 |  | 1,145,952
2017 and Prior | 3,158,140 |  | 966,909
2016 and Prior |  |  | 2,454,836
Total | $ 10,406,170 |  | $ 10,072,924
Private education loans at origination | 48.00% |  | 48.00%
Consumer Portfolio Segment | Student Loan | Seasoning |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2022 | $ 781,612 |  |
2021 | 5,040,792 |  | $ 3,822,361
2020 | 3,983,606 |  | 4,166,283
2019 | 3,038,337 |  | 3,216,525
2018 | 2,174,288 |  | 2,320,060
2017 and Prior | 6,716,734 |  | 1,978,233
2016 and Prior |  |  | 5,213,401
Total | $ 21,735,369 |  | $ 20,716,863
Seasoning based on monthly scheduled payments due from 1-12 payments | 27.00% |  | 22.00%
Seasoning based on monthly scheduled payments due from 13 - 24 payments | 16.00% |  | 17.00%
Seasoning based on monthly scheduled payments due from 25 - 36 payments | 11.00% |  | 12.00%
Seasoning based on monthly scheduled payments due from 37 - 48 payments | 7.00% |  | 8.00%
Seasoning based on monthly scheduled payments due from more than 48 payments | 14.00% |  | 16.00%
Seasoning based on monthly scheduled payments due from not yet in repayment | 25.00% |  | 25.00%
Total in percent | 100.00% |  | 100.00%
Consumer Portfolio Segment | Student Loan | Seasoning | 1-12 payments |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2022 | $ 417,858 |  |
2021 | 3,015,407 |  | $ 2,265,811
2020 | 597,296 |  | 594,850
2019 | 506,047 |  | 515,328
2018 | 384,057 |  | 385,246
2017 and Prior | 873,302 |  | 340,242
2016 and Prior |  |  | 501,269
Total | 5,793,967 |  | 4,602,746
Consumer Portfolio Segment | Student Loan | Seasoning | 13-24 payments |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2022 | 0 |  |
2021 | 0 |  | 0
2020 | 2,190,940 |  | 2,287,737
2019 | 331,049 |  | 362,674
2018 | 188,777 |  | 203,674
2017 and Prior | 663,245 |  | 211,064
2016 and Prior |  |  | 479,540
Total | 3,374,011 |  | 3,544,689
Consumer Portfolio Segment | Student Loan | Seasoning | 25-36 payments |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2022 | 0 |  |
2021 | 0 |  | 0
2020 | 188 |  | 173
2019 | 1,483,980 |  | 1,565,203
2018 | 285,486 |  | 312,049
2017 and Prior | 613,350 |  | 164,575
2016 and Prior |  |  | 482,369
Total | 2,383,004 |  | 2,524,369
Consumer Portfolio Segment | Student Loan | Seasoning | 37-48 payments |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2022 | 0 |  |
2021 | 0 |  | 0
2020 | 0 |  | 0
2019 | 0 |  | 0
2018 | 921,378 |  | 983,434
2017 and Prior | 708,204 |  | 295,206
2016 and Prior |  |  | 464,563
Total | 1,629,582 |  | 1,743,203
Consumer Portfolio Segment | Student Loan | Seasoning | More than 48 payments |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2022 | 0 |  |
2021 | 0 |  | 0
2020 | 0 |  | 0
2019 | 0 |  | 0
2018 | 0 |  | 0
2017 and Prior | 3,148,853 |  | 671,138
2016 and Prior |  |  | 2,726,304
Total | 3,148,853 |  | 3,397,442
Consumer Portfolio Segment | Student Loan | Seasoning | Not yet in repayment |  |  |
Accounts, Notes, Loans and Financing Receivable [Line Items] |  |  |
2022 | 363,754 |  |
2021 | 2,025,385 |  | 1,556,550
2020 | 1,195,182 |  | 1,283,523
2019 | 717,261 |  | 773,320
2018 | 394,590 |  | 435,657
2017 and Prior | 709,780 |  | 296,008
2016 and Prior |  |  | 559,356
Total | $ 5,405,952 |  | $ 4,904,414

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