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Allowance for Credit Losses (Tables) | 6 Months Ended
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Jun. 30, 2022
Receivables [Abstract] |
Allowance for Credit Losses and Recorded Investments in Loans | Allowance for Credit Losses Metrics
Three Months Ended June 30, 2022 (dollars in thousands) |  | FFELP Loans |  | Private Education Loans |  | Credit Cards |  | Total
Allowance for Credit Losses |  |  |  |  |  |  |  |
Beginning balance |  | $ | 3,999 |  |  | $ | 1,221,053 |  |  | $ | 2,310 |  |  | $ | 1,227,362 |
Transfer from unfunded commitment liability(1) |  | — |  |  | 40,528 |  |  | — |  |  | 40,528 |
Provisions: |  |  |  |  |  |  |  |
Provision for current period |  | 60 |  |  | 24,531 |  |  | 459 |  |  | 25,050 |
Loan sale reduction to provision |  | — |  |  | (115,852) |  |  | — |  |  | (115,852) |
Total provisions(2) |  | 60 |  |  | (91,321) |  |  | 459 |  |  | (90,802) |
Net charge-offs: |  |  |  |  |  |  |  |
Charge-offs |  | (130) |  |  | (106,493) |  |  | (376) |  |  | (106,999) |
Recoveries |  | — |  |  | 10,977 |  |  | — |  |  | 10,977 |
Net charge-offs |  | (130) |  |  | (95,516) |  |  | (376) |  |  | (96,022) |
Ending Balance |  | $ | 3,929 |  |  | $ | 1,074,744 |  |  | $ | 2,393 |  |  | $ | 1,081,066 |
Allowance: |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Ending balance: collectively evaluated for impairment |  | $ | 3,929 |  |  | $ | 1,074,744 |  |  | $ | 2,393 |  |  | $ | 1,081,066 |
Loans: |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Ending balance: collectively evaluated for impairment |  | $ | 665,666 |  |  | $ | 19,519,185 |  |  | $ | 28,900 |  |  | $ | 20,213,751 |
Net charge-offs as a percentage of average loans in repayment (annualized)(3) |  | 0.10 | % |  | 2.56 | % |  | 5.33 | % |  |
Allowance as a percentage of the ending total loan balance |  | 0.59 | % |  | 5.51 | % |  | 8.28 | % |  |
Allowance as a percentage of the ending loans in repayment(3) |  | 0.73 | % |  | 7.40 | % |  | 8.28 | % |  |
Allowance coverage of net charge-offs (annualized) |  | 7.56 |  |  | 2.81 |  |  | 1.59 |  |  |
Ending total loans, gross |  | $ | 665,666 |  |  | $ | 19,519,185 |  |  | $ | 28,900 |  |  |
Average loans in repayment(3) |  | $ | 537,449 |  |  | $ | 14,901,040 |  |  | $ | 28,243 |  |  |
Ending loans in repayment(3) |  | $ | 538,081 |  |  | $ | 14,525,259 |  |  | $ | 28,900 |  |  |
(1) See Note 5, “Unfunded Loan Commitments,” for a summary of the activity in the allowance for and balance of unfunded loan commitments, respectively. (2) Below is a reconciliation of the provisions 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 loan commitments by recording a provision for credit losses. When the loan is funded, we transfer that liability to the allowance for credit losses.
Consolidated Statements of Income Provisions for Credit Losses Reconciliation
Three Months Ended June 30, 2022 (dollars in thousands)
Private Education Loan provisions for credit losses: |  |
Provisions for loan losses |  | $ | (91,321) |
Provisions for unfunded loan commitments |  | 121,347 |
Total Private Education Loan provisions for credit losses |  | 30,026 |
Other impacts to the provisions for credit losses: |  |
FFELP Loans |  | 60 |
Credit Cards |  | 459 |
Total |  | 519 |
Provisions for credit losses reported in consolidated statements of income |  | $ | 30,545 |
(3) 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 (but, for purposes of the table, do not include those loans while they are in forbearance).
Three Months Ended June 30, 2021 (dollars in thousands) |  | FFELP Loans |  | Private Education Loans |  | Credit Cards |  | Total
Allowance for Credit Losses |  |  |  |  |  |  |  |
Beginning balance |  | $ | 4,318 |  |  | $ | 1,173,375 |  |  | $ | 1,328 |  |  | $ | 1,179,021 |
Transfer from unfunded commitment liability(1) |  | — |  |  | 24,556 |  |  | — |  |  | 24,556 |
Provisions: |  |  |  |  |  |  |  |
Provision for current period |  | (2) |  |  | 1,014 |  |  | 182 |  |  | 1,194 |
Loan sale reduction to provision |  | — |  |  | (1,477) |  |  | — |  |  | (1,477) |
Total provisions(2) |  | (2) |  |  | (463) |  |  | 182 |  |  | (283) |
Net charge-offs: |  |  |  |  |  |  |  |
Charge-offs |  | (54) |  |  | (49,900) |  |  | (74) |  |  | (50,028) |
Recoveries |  | — |  |  | 6,972 |  |  | 6 |  |  | 6,978 |
Net charge-offs |  | (54) |  |  | (42,928) |  |  | (68) |  |  | (43,050) |
Ending Balance |  | $ | 4,262 |  |  | $ | 1,154,540 |  |  | $ | 1,442 |  |  | $ | 1,160,244 |
Allowance: |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | 80,495 |  |  | $ | — |  |  | $ | 80,495 |
Ending balance: collectively evaluated for impairment |  | $ | 4,262 |  |  | $ | 1,074,045 |  |  | $ | 1,442 |  |  | $ | 1,079,749 |
Loans: |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | 1,192,743 |  |  | $ | — |  |  | $ | 1,192,743 |
Ending balance: collectively evaluated for impairment |  | $ | 716,958 |  |  | $ | 19,285,014 |  |  | $ | 12,784 |  |  | $ | 20,014,756 |
Net charge-offs as a percentage of average loans in repayment (annualized)(3) |  | 0.04 | % |  | 1.16 | % |  | 2.29 | % |  |
Allowance as a percentage of the ending total loan balance |  | 0.59 | % |  | 5.64 | % |  | 11.28 | % |  |
Allowance as a percentage of the ending loans in repayment(3) |  | 0.78 | % |  | 7.79 | % |  | 11.28 | % |  |
Allowance coverage of net charge-offs (annualized) |  | 19.73 |  |  | 6.72 |  |  | 5.30 |  |  |
Ending total loans, gross |  | $ | 716,958 |  |  | $ | 20,477,757 |  |  | $ | 12,784 |  |  |
Average loans in repayment(3) |  | $ | 546,306 |  |  | $ | 14,743,360 |  |  | $ | 11,855 |  |  |
Ending loans in repayment(3) |  | $ | 548,488 |  |  | $ | 14,825,375 |  |  | $ | 12,784 |  |  |
(1) See Note 5, “Unfunded Loan Commitments,” for a summary of the activity in the allowance for and balance of unfunded loan commitments, respectively. (2) Below is a reconciliation of the provisions 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 loan commitments by recording a provision for credit losses. When the loan is funded, we transfer that liability to the allowance for credit losses.
Consolidated Statements of Income Provisions for Credit Losses Reconciliation
Three Months Ended June 30, 2021 (dollars in thousands)
Private Education Loan provisions for credit losses: |  |
Provisions for loan losses |  | $ | (463) |
Provisions for unfunded loan commitments |  | 69,960 |
Total Private Education Loan provisions for credit losses |  | 69,497 |
Other impacts to the provisions for credit losses: |  |
FFELP Loans |  | (2) |
Credit Cards |  | 182 |
Total |  | 180 |
Provisions for credit losses reported in consolidated statements of income |  | $ | 69,677 |
(3) 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 (but, for purposes of the table, do not include those loans while they are in forbearance).
Six Months Ended June 30, 2022 (dollars in thousands) |  | FFELP Loans |  | Private Education Loans |  | Credit Cards |  | Total
Allowance for Credit Losses |  |  |  |  |  |  |  |
Beginning balance |  | $ | 4,077 |  |  | $ | 1,158,977 |  |  | $ | 2,281 |  |  | $ | 1,165,335 |
Transfer from unfunded commitment liability(1) |  | — |  |  | 135,214 |  |  | — |  |  | 135,214 |
Provisions: |  |  |  |  |  |  |  |
Provision for current period |  | 81 |  |  | 72,991 |  |  | 596 |  |  | 73,668 |
Loan sale reduction to provision |  | — |  |  | (121,099) |  |  | — |  |  | (121,099) |
Total provisions(2) |  | 81 |  |  | (48,108) |  |  | 596 |  |  | (47,431) |
Net charge-offs: |  |  |  |  |  |  |  |
Charge-offs |  | (229) |  |  | (190,349) |  |  | (487) |  |  | (191,065) |
Recoveries |  | — |  |  | 19,010 |  |  | 3 |  |  | 19,013 |
Net charge-offs |  | (229) |  |  | (171,339) |  |  | (484) |  |  | (172,052) |
Ending Balance |  | $ | 3,929 |  |  | $ | 1,074,744 |  |  | $ | 2,393 |  |  | $ | 1,081,066 |
Allowance: |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Ending balance: collectively evaluated for impairment |  | $ | 3,929 |  |  | $ | 1,074,744 |  |  | $ | 2,393 |  |  | $ | 1,081,066 |
Loans: |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Ending balance: collectively evaluated for impairment |  | $ | 665,666 |  |  | $ | 19,519,185 |  |  | $ | 28,900 |  |  | $ | 20,213,751 |
Net charge-offs as a percentage of average loans in repayment (annualized)(3) |  | 0.08 | % |  | 2.23 | % |  | 3.54 | % |  |
Allowance as a percentage of the ending total loan balance |  | 0.59 | % |  | 5.51 | % |  | 8.28 | % |  |
Allowance as a percentage of the ending loans in repayment(3) |  | 0.73 | % |  | 7.40 | % |  | 8.28 | % |  |
Allowance coverage of net charge-offs (annualized) |  | 8.58 |  |  | 3.14 |  |  | 2.47 |  |  |
Ending total loans, gross |  | $ | 665,666 |  |  | $ | 19,519,185 |  |  | $ | 28,900 |  |  |
Average loans in repayment(3) |  | $ | 541,133 |  |  | $ | 15,366,023 |  |  | $ | 27,375 |  |  |
Ending loans in repayment(3) |  | $ | 538,081 |  |  | $ | 14,525,259 |  |  | $ | 28,900 |  |  |
(1) See Note 5, “Unfunded Loan Commitments,” for a summary of the activity in the allowance for and balance of unfunded loan commitments, respectively. (2) Below is a reconciliation of the provisions 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 loan commitments by recording a provision for credit losses. When the loan is funded, we transfer that liability to the allowance for credit losses.
Consolidated Statements of Income Provisions for Credit Losses Reconciliation
Six Months Ended June 30, 2022 (dollars in thousands)
Private Education Loan provisions for credit losses: |  |
Provisions for loan losses |  | $ | (48,108) |
Provisions for unfunded loan commitments |  | 176,026 |
Total Private Education Loan provisions for credit losses |  | 127,918 |
Other impacts to the provisions for credit losses: |  |
FFELP Loans |  | 81 |
Credit Cards |  | 596 |
Total |  | 677 |
Provisions for credit losses reported in consolidated statements of income |  | $ | 128,595 |
(3) 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 (but, for purposes of the table, do not include those loans while they are in forbearance).
Six Months Ended June 30, 2021 (dollars in thousands) |  | FFELP Loans |  | Private Education Loans |  | Credit Cards |  | Total
Allowance for Credit Losses |  |  |  |  |  |  |  |
Beginning balance |  | $ | 4,378 |  |  | $ | 1,355,844 |  |  | $ | 1,501 |  |  | $ | 1,361,723 |
Transfer from unfunded commitment liability(1) |  | — |  |  | 151,436 |  |  | — |  |  | 151,436 |
Provisions: |  |  |  |  |  |  |  |
Provision for current period |  | 27 |  |  | (253,928) |  |  | 96 |  |  | (253,805) |
Loan sale reduction to provision |  | — |  |  | (10,335) |  |  | — |  |  | (10,335) |
Loans transferred from held-for-sale |  | — |  |  | 1,887 |  |  | — |  |  | 1,887 |
Total provisions(2) |  | 27 |  |  | (262,376) |  |  | 96 |  |  | (262,253) |
Net charge-offs: |  |  |  |  |  |  |  |
Charge-offs |  | (143) |  |  | (105,039) |  |  | (162) |  |  | (105,344) |
Recoveries |  | — |  |  | 14,675 |  |  | 7 |  |  | 14,682 |
Net charge-offs |  | (143) |  |  | (90,364) |  |  | (155) |  |  | (90,662) |
Ending Balance |  | $ | 4,262 |  |  | $ | 1,154,540 |  |  | $ | 1,442 |  |  | $ | 1,160,244 |
Allowance: |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | 80,495 |  |  | $ | — |  |  | $ | 80,495 |
Ending balance: collectively evaluated for impairment |  | $ | 4,262 |  |  | $ | 1,074,045 |  |  | $ | 1,442 |  |  | $ | 1,079,749 |
Loans: |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | 1,192,743 |  |  | $ | — |  |  | $ | 1,192,743 |
Ending balance: collectively evaluated for impairment |  | $ | 716,958 |  |  | $ | 19,285,014 |  |  | $ | 12,784 |  |  | $ | 20,014,756 |
Net charge-offs as a percentage of average loans in repayment (annualized)(3) |  | 0.05 | % |  | 1.23 | % |  | 2.59 | % |  |
Allowance as a percentage of the ending total loan balance |  | 0.59 | % |  | 5.64 | % |  | 11.28 | % |  |
Allowance as a percentage of the ending loans in repayment(3) |  | 0.78 | % |  | 7.79 | % |  | 11.28 | % |  |
Allowance coverage of net charge-offs (annualized) |  | 14.90 |  |  | 6.39 |  |  | 4.65 |  |  |
Ending total loans, gross |  | $ | 716,958 |  |  | $ | 20,477,757 |  |  | $ | 12,784 |  |  |
Average loans in repayment(3) |  | $ | 551,765 |  |  | $ | 14,738,505 |  |  | $ | 11,964 |  |  |
Ending loans in repayment(3) |  | $ | 548,488 |  |  | $ | 14,825,375 |  |  | $ | 12,784 |  |  |
(1) See Note 5, “Unfunded Loan Commitments,” for a summary of the activity in the allowance for and balance of unfunded loan commitments, respectively. (2) Below is a reconciliation of the provisions 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 loan commitments by recording a provision for credit losses. When the loan is funded, we transfer that liability to the allowance for credit losses.
Consolidated Statements of Income Provisions for Credit Losses Reconciliation
Six Months Ended June 30, 2021 (dollars in thousands)
Private Education Loan provisions for credit losses: |  |
Provisions for loan losses |  | $ | (262,376) |
Provisions for unfunded loan commitments |  | 106,163 |
Total Private Education Loan provisions for credit losses |  | (156,213) |
Other impacts to the provisions for credit losses: |  |
FFELP Loans |  | 27 |
Credit Cards |  | 96 |
Total |  | 123 |
Provisions for credit losses reported in consolidated statements of income |  | $ | (156,090) |
(3) 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 (but, for purposes of the table, do not include those loans while they are in forbearance). The tables below summarize the activity in the allowance recorded to cover lifetime expected credit losses on the unfunded commitments, which is recorded in “Other Liabilities” on the consolidated balance sheets, as well as the activity in the unfunded commitments balance.
| 2022 |  | 2021
Three Months Ended June 30, (dollars in thousands) | Allowance |  | Unfunded Commitments |  | Allowance |  | Unfunded Commitments
Beginning Balance | $ | 32,707 |  |  | $ | 561,748 |  |  | $ | 19,367 |  |  | $ | 457,453 |
Provision/New commitments - net(1) | 99,692 |  |  | 1,466,865 |  |  | 48,203 |  |  | 1,235,604 |
Other provision items | 21,654 |  |  | — |  |  | 21,757 |  |  | — |
Transfer - funded loans(2) | (40,528) |  |  | (614,773) |  |  | (24,555) |  |  | (531,361) |
Ending Balance | $ | 113,525 |  |  | $ | 1,413,840 |  |  | $ | 64,772 |  |  | $ | 1,161,696 |
| 2022 |  | 2021
Six Months Ended June 30, (dollars in thousands) | Allowance |  | Unfunded Commitments |  | Allowance |  | Unfunded Commitments
Beginning Balance | $ | 72,713 |  |  | $ | 1,776,976 |  |  | $ | 110,044 |  |  | $ | 1,673,018 |
Provision/New commitments - net(1) | 147,146 |  |  | 2,435,695 |  |  | 88,400 |  |  | 2,078,765 |
Other provision items | 28,880 |  |  | — |  |  | 17,763 |  |  | — |
Transfer - funded loans(2) | (135,214) |  |  | (2,798,831) |  |  | (151,435) |  |  | (2,590,087) |
Ending Balance | $ | 113,525 |  |  | $ | 1,413,840 |  |  | $ | 64,772 |  |  | $ | 1,161,696 |
(1) Net of expirations of commitments unused. (2) When a loan commitment is funded, its related liability for credit losses (which originally was recorded as a provision for unfunded commitments) is transferred to the allowance for credit losses.
Amortized Cost Basis of Financing Receivables | The following table shows the amortized cost basis at the end of the reporting period of the loans to borrowers experiencing financial difficulty that were modified during the period from January 1, 2022 (the effective date of our adoption of ASU No. 2022-02) through the end of the reporting period, disaggregated by class of financing receivable and type of modification. When we approve a Private Education Loan at the beginning of an academic year, we do not always disburse the full amount of the loan at the time of approval, but instead have a commitment to fund a portion of the loan at a later date (usually at the start of the second semester or subsequent trimesters). We consider borrowers to be in financial difficulty after they have exited school and have difficulty making their scheduled principal and interest payments.
|  | Loan Modifications Made to Borrowers Experiencing Financial Difficulty
Three Months Ended June 30, 2022 (dollars in thousands) |  | Interest Rate Reduction |  | Combination - Interest Rate Reduction and Term Extension
Loan Type: |  | Amortized Cost Basis |  | % of Total Class of Financing Receivable |  | Amortized Cost Basis |  | % of Total Class of Financing Receivable
Private Education Loans |  | $ | 17,621 |  |  | 0.09 | % |  | $ | 96,015 |  |  | 0.49 | %
Total |  | $ | 17,621 |  |  | 0.09 | % |  | $ | 96,015 |  |  | 0.49 | %
|  | Loan Modifications Made to Borrowers Experiencing Financial Difficulty
Six Months Ended June 30, 2022 (dollars in thousands) |  | Interest Rate Reduction |  | Combination - Interest Rate Reduction and Term Extension
Loan Type: |  | Amortized Cost Basis |  | % of Total Class of Financing Receivable |  | Amortized Cost Basis |  | % of Total Class of Financing Receivable
Private Education Loans |  | $ | 23,117 |  |  | 0.12 | % |  | $ | 162,049 |  |  | 0.83 | %
Total |  | $ | 23,117 |  |  | 0.12 | % |  | $ | 162,049 |  |  | 0.83 | %
The following tables describes the financial effect of the modifications made to loans whose borrowers are experiencing financial difficulty:
Three Months Ended June 30, 2022
Interest Rate Reduction |  | Combination - Interest Rate Reduction and Term Extension
Loan Type |  | Financial Effect |  | Loan Type |  | Financial Effect
Private Education Loans |  | Reduced average contractual rate from 10.38% to 4.00% |  | Private Education Loans |  | Added a weighted average 10.34 years to the life of loans Reduced average contractual rate from 10.04% to 4.00%
Six Months Ended June 30, 2022
Interest Rate Reduction |  | Combination - Interest Rate Reduction and Term Extension
Loan Type |  | Financial Effect |  | Loan Type |  | Financial Effect
Private Education Loans |  | Reduced average contractual rate from 10.36% to 4.00% |  | Private Education Loans |  | Added a weighted average 10.42 years to the life of loans Reduced average contractual rate from 9.80% to 4.00%
The following table provides the amount of financing receivables whose borrowers were experiencing financial difficulty and had a payment default and were modified during the period from January 1, 2022 (the effective date of our adoption of ASU No. 2022-02) through the end of the reporting period. We define payment default as 60 days past due for purposes of this disclosure.
|  | Three Months Ended June 30, 2022 |  | Six Months Ended June 30, 2022
(Dollars in thousands) |  | Modified Loans(1)(2) |  | Payment Default |  | Modified Loans(1)(2) |  | Payment Default
Loan Type: |  |  |  |  |  |  |  |
Private Education Loans |  | $ | 3,512 |  |  | $ | 3,450 |  |  | $ | 3,963 |  |  | $ | 3,901 |
Total |  | $ | 3,512 |  |  | $ | 3,450 |  |  | $ | 3,963 |  |  | $ | 3,901 |
(1) Represents amortized cost basis of loans that have been modified. (2) For the three months ended June 30, 2022, the modified loans include $3.3 million of interest rate reduction and term extension loan modifications and $0.2 million of interest rate reduction only loan modifications. For the six months ended June 30, 2022, the modified loans include $3.7 million of interest rate reduction and term extension loan modifications and $0.3 million of interest rate reduction only loan modifications.
Age Analysis of Past Due Loans Delinquencies | The following table depicts the performance of loans that have been modified during the period from January 1, 2022 (the effective date of our adoption of ASU No. 2022-02) through the end of the reporting period.
|  | Payment Status (Amortized Cost Basis)
At June 30, 2022 (dollars in thousands) |  | Deferment(1) |  | Current(2)(3) |  | 30-59 Days Past Due(2)(3) |  | 60-89 Days Past Due(2)(3) |  | 90 Days or Greater Past Due(2)(3)
Loan Type: |  |  |  |  |  |  |  |  |  |
Private Education Loans |  | $ | 1,694 |  |  | $ | 173,288 |  |  | $ | 5,542 |  |  | $ | 3,138 |  |  | $ | 1,504 |
Total |  | $ | 1,694 |  |  | $ | 173,288 |  |  | $ | 5,542 |  |  | $ | 3,138 |  |  | $ | 1,504 |
(1) Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make full principal and interest payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation). (2) Loans in repayment include loans on which borrowers are making full principal and interest payments after any applicable grace period (but, for purposes of the table, do not include those loans while they are in forbearance). (3) The period of delinquency is based on the number of days scheduled payments are contractually past due. The following tables provide information regarding the loan status of our Private Education Loans held for investment, by year of origination. 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 (but, for purposes of the following tables, do not include those loans while they are in forbearance).
|  | Private Education Loans Held for Investment - Delinquencies by Origination Vintage
As of June 30, 2022 (dollars in thousands) |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 and Prior |  | Total
Loans in-school/grace/deferment(1) |  | $ | 594,307 |  |  | $ | 1,887,781 |  |  | $ | 878,657 |  |  | $ | 557,968 |  |  | $ | 315,998 |  |  | $ | 575,312 |  |  | $ | 4,810,023 |
Loans in forbearance(2) |  | 1,512 |  |  | 15,624 |  |  | 20,945 |  |  | 22,188 |  |  | 23,314 |  |  | 100,320 |  |  | 183,903 |
Loans in repayment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans current |  | 679,111 |  |  | 2,917,375 |  |  | 2,167,862 |  |  | 1,864,069 |  |  | 1,440,757 |  |  | 4,911,636 |  |  | 13,980,810 |
Loans delinquent 30-59 days(3) |  | 3,513 |  |  | 21,115 |  |  | 25,780 |  |  | 31,433 |  |  | 30,911 |  |  | 142,525 |  |  | 255,277 |
Loans delinquent 60-89 days(3) |  | 761 |  |  | 8,512 |  |  | 15,626 |  |  | 21,292 |  |  | 22,816 |  |  | 100,649 |  |  | 169,656 |
Loans 90 days or greater past due(3) |  | 548 |  |  | 4,454 |  |  | 11,820 |  |  | 16,540 |  |  | 14,559 |  |  | 71,595 |  |  | 119,516 |
Total Private Education Loans in repayment |  | 683,933 |  |  | 2,951,456 |  |  | 2,221,088 |  |  | 1,933,334 |  |  | 1,509,043 |  |  | 5,226,405 |  |  | 14,525,259 |
Total Private Education Loans, gross |  | 1,279,752 |  |  | 4,854,861 |  |  | 3,120,690 |  |  | 2,513,490 |  |  | 1,848,355 |  |  | 5,902,037 |  |  | 19,519,185 |
Private Education Loans deferred origination costs and unamortized premium/(discount) |  | 14,647 |  |  | 18,565 |  |  | 11,502 |  |  | 6,923 |  |  | 4,421 |  |  | 10,751 |  |  | 66,809 |
Total Private Education Loans |  | 1,294,399 |  |  | 4,873,426 |  |  | 3,132,192 |  |  | 2,520,413 |  |  | 1,852,776 |  |  | 5,912,788 |  |  | 19,585,994 |
Private Education Loans allowance for losses |  | (118,056) |  |  | (287,653) |  |  | (168,698) |  |  | (144,986) |  |  | (95,567) |  |  | (259,784) |  |  | (1,074,744) |
Private Education Loans, net |  | $ | 1,176,343 |  |  | $ | 4,585,773 |  |  | $ | 2,963,494 |  |  | $ | 2,375,427 |  |  | $ | 1,757,209 |  |  | $ | 5,653,004 |  |  | $ | 18,511,250 |
Percentage of Private Education Loans in repayment |  | 53.4 | % |  | 60.8 | % |  | 71.2 | % |  | 76.9 | % |  | 81.6 | % |  | 88.6 | % |  | 74.4 | %
Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment |  | 0.7 | % |  | 1.2 | % |  | 2.4 | % |  | 3.6 | % |  | 4.5 | % |  | 6.0 | % |  | 3.7 | %
Loans in forbearance as a percentage of loans in repayment and forbearance |  | 0.2 | % |  | 0.5 | % |  | 0.9 | % |  | 1.1 | % |  | 1.5 | % |  | 1.9 | % |  | 1.3 | %
(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.
|  | Private Education Loans Held for Investment - Delinquencies by Origination Vintage
As of December 31, 2021 (dollars in thousands) |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 and Prior |  | Total
Loans in-school/grace/deferment(1) |  | $ | 1,556,550 |  |  | $ | 1,283,523 |  |  | $ | 773,320 |  |  | $ | 435,657 |  |  | $ | 296,008 |  |  | $ | 559,356 |  |  | $ | 4,904,414 |
Loans in forbearance(2) |  | 11,951 |  |  | 55,844 |  |  | 52,364 |  |  | 43,613 |  |  | 41,355 |  |  | 96,110 |  |  | 301,237 |
Loans in repayment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans current |  | 2,234,876 |  |  | 2,786,646 |  |  | 2,321,728 |  |  | 1,772,651 |  |  | 1,570,815 |  |  | 4,319,057 |  |  | 15,005,773 |
Loans delinquent 30-59 days(3) |  | 15,148 |  |  | 29,146 |  |  | 46,616 |  |  | 43,197 |  |  | 41,695 |  |  | 132,757 |  |  | 308,559 |
Loans delinquent 60-89 days(3) |  | 3,194 |  |  | 7,441 |  |  | 14,044 |  |  | 14,310 |  |  | 16,425 |  |  | 61,533 |  |  | 116,947 |
Loans 90 days or greater past due(3) |  | 642 |  |  | 3,683 |  |  | 8,453 |  |  | 10,632 |  |  | 11,935 |  |  | 44,588 |  |  | 79,933 |
Total Private Education Loans in repayment |  | 2,253,860 |  |  | 2,826,916 |  |  | 2,390,841 |  |  | 1,840,790 |  |  | 1,640,870 |  |  | 4,557,935 |  |  | 15,511,212 |
Total Private Education Loans, gross |  | 3,822,361 |  |  | 4,166,283 |  |  | 3,216,525 |  |  | 2,320,060 |  |  | 1,978,233 |  |  | 5,213,401 |  |  | 20,716,863 |
Private Education Loans deferred origination costs and unamortized premium/(discount) |  | 22,169 |  |  | 16,067 |  |  | 9,575 |  |  | 5,918 |  |  | 4,588 |  |  | 9,171 |  |  | 67,488 |
Total Private Education Loans |  | 3,844,530 |  |  | 4,182,350 |  |  | 3,226,100 |  |  | 2,325,978 |  |  | 1,982,821 |  |  | 5,222,572 |  |  | 20,784,351 |
Private Education Loans allowance for losses |  | (248,102) |  |  | (239,507) |  |  | (195,223) |  |  | (129,678) |  |  | (99,982) |  |  | (246,485) |  |  | (1,158,977) |
Private Education Loans, net |  | $ | 3,596,428 |  |  | $ | 3,942,843 |  |  | $ | 3,030,877 |  |  | $ | 2,196,300 |  |  | $ | 1,882,839 |  |  | $ | 4,976,087 |  |  | $ | 19,625,374 |
Percentage of Private Education Loans in repayment |  | 59.0 | % |  | 67.9 | % |  | 74.3 | % |  | 79.3 | % |  | 82.9 | % |  | 87.4 | % |  | 74.9 | %
Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment |  | 0.8 | % |  | 1.4 | % |  | 2.9 | % |  | 3.7 | % |  | 4.3 | % |  | 5.2 | % |  | 3.3 | %
Loans in forbearance as a percentage of loans in repayment and forbearance |  | 0.5 | % |  | 1.9 | % |  | 2.1 | % |  | 2.3 | % |  | 2.5 | % |  | 2.1 | % |  | 1.9 | %
(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.
Private Education Loan Portfolio Stratified by Key Credit Quality Indicators | The following tables highlight the gross principal balance of our Private Education Loan portfolio (held for investment), by year of origination, stratified by key credit quality indicators.
As of June 30, 2022 (dollars in thousands) |  | Private Education Loans Held for Investment - Credit Quality Indicators |  |
Year of Origination |  | 2022(1) |  | 2021(1) |  | 2020(1) |  | 2019(1) |  | 2018(1) |  | 2017 and Prior(1) |  | Total(1) |  | % of Balance
Cosigners: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With cosigner |  | $ | 1,036,651 |  |  | $ | 4,200,604 |  |  | $ | 2,677,507 |  |  | $ | 2,150,355 |  |  | $ | 1,603,266 |  |  | $ | 5,343,522 |  |  | $ | 17,011,905 |  |  | 87 | %
Without cosigner |  | 243,101 |  |  | 654,257 |  |  | 443,183 |  |  | 363,135 |  |  | 245,089 |  |  | 558,515 |  |  | 2,507,280 |  |  | 13 |
Total |  | $ | 1,279,752 |  |  | $ | 4,854,861 |  |  | $ | 3,120,690 |  |  | $ | 2,513,490 |  |  | $ | 1,848,355 |  |  | $ | 5,902,037 |  |  | $ | 19,519,185 |  |  | 100 | %
FICO at Origination(2): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Less than 670 |  | $ | 94,943 |  |  | $ | 321,567 |  |  | $ | 186,085 |  |  | $ | 201,734 |  |  | $ | 160,071 |  |  | $ | 499,905 |  |  | $ | 1,464,305 |  |  | 8 | %
670-699 |  | 182,941 |  |  | 644,166 |  |  | 426,415 |  |  | 389,318 |  |  | 295,350 |  |  | 1,008,825 |  |  | 2,947,015 |  |  | 15 |
700-749 |  | 412,341 |  |  | 1,533,720 |  |  | 1,007,488 |  |  | 830,148 |  |  | 614,831 |  |  | 1,985,185 |  |  | 6,383,713 |  |  | 33 |
Greater than or equal to 750 |  | 589,527 |  |  | 2,355,408 |  |  | 1,500,702 |  |  | 1,092,290 |  |  | 778,103 |  |  | 2,408,122 |  |  | 8,724,152 |  |  | 44 |
Total |  | $ | 1,279,752 |  |  | $ | 4,854,861 |  |  | $ | 3,120,690 |  |  | $ | 2,513,490 |  |  | $ | 1,848,355 |  |  | $ | 5,902,037 |  |  | $ | 19,519,185 |  |  | 100 | %
FICO Refreshed(2)(3): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Less than 670 |  | $ | 122,222 |  |  | $ | 459,158 |  |  | $ | 261,366 |  |  | $ | 257,888 |  |  | $ | 219,132 |  |  | $ | 858,301 |  |  | $ | 2,178,067 |  |  | 11 | %
670-699 |  | 183,128 |  |  | 620,098 |  |  | 340,183 |  |  | 276,534 |  |  | 198,033 |  |  | 646,324 |  |  | 2,264,300 |  |  | 12 |
700-749 |  | 403,721 |  |  | 1,483,958 |  |  | 923,047 |  |  | 736,502 |  |  | 527,323 |  |  | 1,615,314 |  |  | 5,689,865 |  |  | 29 |
Greater than or equal to 750 |  | 570,681 |  |  | 2,291,647 |  |  | 1,596,094 |  |  | 1,242,566 |  |  | 903,867 |  |  | 2,782,098 |  |  | 9,386,953 |  |  | 48 |
Total |  | $ | 1,279,752 |  |  | $ | 4,854,861 |  |  | $ | 3,120,690 |  |  | $ | 2,513,490 |  |  | $ | 1,848,355 |  |  | $ | 5,902,037 |  |  | $ | 19,519,185 |  |  | 100 | %
Seasoning(4): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-12 payments |  | $ | 685,445 |  |  | $ | 2,532,502 |  |  | $ | 391,306 |  |  | $ | 378,038 |  |  | $ | 284,209 |  |  | $ | 617,732 |  |  | $ | 4,889,232 |  |  | 25 | %
13-24 payments |  | — |  |  | 434,578 |  |  | 1,564,224 |  |  | 179,111 |  |  | 163,997 |  |  | 550,106 |  |  | 2,892,016 |  |  | 15 |
25-36 payments |  | — |  |  | — |  |  | 286,503 |  |  | 1,234,821 |  |  | 144,585 |  |  | 555,690 |  |  | 2,221,599 |  |  | 11 |
37-48 payments |  | — |  |  | — |  |  | — |  |  | 163,552 |  |  | 836,832 |  |  | 533,301 |  |  | 1,533,685 |  |  | 8 |
More than 48 payments |  | — |  |  | — |  |  | — |  |  | — |  |  | 102,734 |  |  | 3,069,896 |  |  | 3,172,630 |  |  | 16 |
Not yet in repayment |  | 594,307 |  |  | 1,887,781 |  |  | 878,657 |  |  | 557,968 |  |  | 315,998 |  |  | 575,312 |  |  | 4,810,023 |  |  | 25 |
Total |  | $ | 1,279,752 |  |  | $ | 4,854,861 |  |  | $ | 3,120,690 |  |  | $ | 2,513,490 |  |  | $ | 1,848,355 |  |  | $ | 5,902,037 |  |  | $ | 19,519,185 |  |  | 100 | %
2022 Current period(5) gross charge-offs |  | $ | (79) |  |  | $ | (6,193) |  |  | $ | (20,703) |  |  | $ | (28,869) |  |  | $ | (27,542) |  |  | $ | (106,963) |  |  | $ | (190,349) |  |  |
2022 Current period(5) recoveries |  | — |  |  | 448 |  |  | 1,765 |  |  | 2,630 |  |  | 2,501 |  |  | 11,666 |  |  | 19,010 |  |  |
2022 Current period(5) net charge-offs |  | $ | (79) |  |  | $ | (5,745) |  |  | $ | (18,938) |  |  | $ | (26,239) |  |  | $ | (25,041) |  |  | $ | (95,297) |  |  | $ | (171,339) |  |  |
Total accrued interest by origination vintage |  | $ | 28,511 |  |  | $ | 238,678 |  |  | $ | 235,273 |  |  | $ | 234,761 |  |  | $ | 163,681 |  |  | $ | 271,006 |  |  | $ | 1,171,910 |  |  |
(1)Balance represents gross Private Education Loans held for investment. (2)Represents the higher credit score of the cosigner or the borrower. (3)Represents the FICO score updated as of the second-quarter 2022. (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. (5)Current period refers to period from January 1, 2022 through June 30, 2022.
As of December 31, 2021 (dollars in thousands) |  | Private Education Loans Held for Investment - Credit Quality Indicators |  |
Year of Origination |  | 2021(1) |  | 2020(1) |  | 2019(1) |  | 2018(1) |  | 2017(1) |  | 2016 and Prior(1) |  | Total(1) |  | % of Balance
Cosigners: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With cosigner |  | $ | 3,263,892 |  |  | $ | 3,604,553 |  |  | $ | 2,778,262 |  |  | $ | 2,025,463 |  |  | $ | 1,765,719 |  |  | $ | 4,753,775 |  |  | $ | 18,191,664 |  |  | 88 | %
Without cosigner |  | 558,469 |  |  | 561,730 |  |  | 438,263 |  |  | 294,597 |  |  | 212,514 |  |  | 459,626 |  |  | 2,525,199 |  |  | 12 |
Total |  | $ | 3,822,361 |  |  | $ | 4,166,283 |  |  | $ | 3,216,525 |  |  | $ | 2,320,060 |  |  | $ | 1,978,233 |  |  | $ | 5,213,401 |  |  | $ | 20,716,863 |  |  | 100 | %
FICO at Origination(2): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Less than 670 |  | $ | 248,368 |  |  | $ | 238,005 |  |  | $ | 251,157 |  |  | $ | 193,123 |  |  | $ | 166,048 |  |  | $ | 428,416 |  |  | $ | 1,525,117 |  |  | 7 | %
670-699 |  | 508,264 |  |  | 564,497 |  |  | 493,237 |  |  | 363,313 |  |  | 329,807 |  |  | 884,981 |  |  | 3,144,099 |  |  | 15 |
700-749 |  | 1,210,833 |  |  | 1,348,269 |  |  | 1,057,001 |  |  | 770,452 |  |  | 660,270 |  |  | 1,753,709 |  |  | 6,800,534 |  |  | 33 |
Greater than or equal to 750 |  | 1,854,896 |  |  | 2,015,512 |  |  | 1,415,130 |  |  | 993,172 |  |  | 822,108 |  |  | 2,146,295 |  |  | 9,247,113 |  |  | 45 |
Total |  | $ | 3,822,361 |  |  | $ | 4,166,283 |  |  | $ | 3,216,525 |  |  | $ | 2,320,060 |  |  | $ | 1,978,233 |  |  | $ | 5,213,401 |  |  | $ | 20,716,863 |  |  | 100 | %
FICO Refreshed(2)(3): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Less than 670 |  | $ | 326,613 |  |  | $ | 279,578 |  |  | $ | 273,652 |  |  | $ | 235,684 |  |  | $ | 233,022 |  |  | $ | 739,268 |  |  | $ | 2,087,817 |  |  | 10 | %
670-699 |  | 506,021 |  |  | 475,674 |  |  | 365,133 |  |  | 256,400 |  |  | 209,536 |  |  | 570,605 |  |  | 2,383,369 |  |  | 12 |
700-749 |  | 1,209,493 |  |  | 1,285,015 |  |  | 978,763 |  |  | 682,024 |  |  | 568,766 |  |  | 1,448,692 |  |  | 6,172,753 |  |  | 30 |
Greater than or equal to 750 |  | 1,780,234 |  |  | 2,126,016 |  |  | 1,598,977 |  |  | 1,145,952 |  |  | 966,909 |  |  | 2,454,836 |  |  | 10,072,924 |  |  | 48 |
Total |  | $ | 3,822,361 |  |  | $ | 4,166,283 |  |  | $ | 3,216,525 |  |  | $ | 2,320,060 |  |  | $ | 1,978,233 |  |  | $ | 5,213,401 |  |  | $ | 20,716,863 |  |  | 100 | %
Seasoning(4): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-12 payments |  | $ | 2,265,811 |  |  | $ | 594,850 |  |  | $ | 515,328 |  |  | $ | 385,246 |  |  | $ | 340,242 |  |  | $ | 501,269 |  |  | $ | 4,602,746 |  |  | 22 | %
13-24 payments |  | — |  | 2,287,737 |  | 362,674 |  | 203,674 |  | 211,064 |  | 479,540 |  | 3,544,689 |  | 17 |
25-36 payments |  | — |  | 173 |  | 1,565,203 |  | 312,049 |  | 164,575 |  | 482,369 |  | 2,524,369 |  | 12 |
37-48 payments |  | — |  | — |  | — |  | 983,434 |  | 295,206 |  | 464,563 |  | 1,743,203 |  | 8 |
More than 48 payments |  | — |  | — |  | — |  | — |  | 671,138 |  | 2,726,304 |  | 3,397,442 |  | 16 |
Not yet in repayment |  | 1,556,550 |  | 1,283,523 |  | 773,320 |  | 435,657 |  | 296,008 |  | 559,356 |  | 4,904,414 |  | 25 |
Total |  | $ | 3,822,361 |  |  | $ | 4,166,283 |  |  | $ | 3,216,525 |  |  | $ | 2,320,060 |  |  | $ | 1,978,233 |  |  | $ | 5,213,401 |  |  | $ | 20,716,863 |  |  | 100 | %
2021 Current period(5) gross charge-offs |  | $ | (1,183) |  |  | $ | (8,604) |  |  | $ | (23,866) |  |  | $ | (32,741) |  |  | $ | (37,186) |  |  | $ | (126,011) |  |  | $ | (229,591) |  |  |
2021 Current period(5) recoveries |  | 35 |  |  | 540 |  |  | 2,092 |  |  | 3,693 |  |  | 4,450 |  |  | 18,684 |  |  | 29,494 |  |  |
2021 Current period(5) net charge-offs |  | $ | (1,148) |  |  | $ | (8,064) |  |  | $ | (21,774) |  |  | $ | (29,048) |  |  | $ | (32,736) |  |  | $ | (107,327) |  |  | $ | (200,097) |  |  |
Total accrued interest by origination vintage |  | $ | 109,233 |  |  | $ | 247,418 |  |  | $ | 270,242 |  |  | $ | 198,816 |  |  | $ | 131,685 |  |  | $ | 229,729 |  |  | $ | 1,187,123 |  |  |
(1)Balance represents gross Private Education Loans held for investment. (2)Represents the higher credit score of the cosigner or the borrower. (3)Represents the FICO score updated as of the fourth-quarter 2021. (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. (5)Current period refers to January 1, 2021 through December 31, 2021.
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 90 days or greater 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.
|  | Private Education Loans
|  | Accrued Interest Receivable
(Dollars in thousands) |  | Total Interest Receivable |  | 90 Days or Greater Past Due |  | Allowance for Uncollectible Interest
June 30, 2022 |  | $ | 1,171,910 |  |  | $ | 5,433 |  |  | $ | 7,344 |
December 31, 2021 |  | $ | 1,187,123 |  |  | $ | 3,635 |  |  | $ | 4,937 |

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