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Loans Held for Investment -Narrative (Details) | 9 Months Ended | 12 Months Ended
--- | --- | ---
Sep. 30, 2024 USD ($) | Dec. 31, 2024 USD ($) payment | Dec. 31, 2023 USD ($)
Finance Receivable Transferred To Held For Sale [Line Items] |  |  |
Percent of private loans indexed to LIBOR or SOFR |  | 23.00% | 33.00%
Estimated weighted average life of student loans |  | 5 years 7 months 6 days | 5 years
Maximum amount of forbearance granted |  | 12 months |
Period of positive payment performance required by a borrower between successive grants of forbearance |  | 12 months |
Number of payments required by a borrower between successive grants of forbearance | payment |  | 12 |
Period that delinquent borrowers can participate in certain short-term interest-only payment alternatives, option one |  | 12 months |
Period that delinquent borrowers can participate in certain short-term interest-only payment alternatives, option two |  | 5 years |
Interest rate reduction |  | 2.00% |
Period of loans past due that have accrued interest |  | 90 days | 90 days
Loans in nonaccrual status |  | $ 0 | $ 0
Percentage of loans concentrated in major states |  | 43.80% | 43.50%
Percentage of aggregate outstanding loans held for investment |  | 5.00% |
Credit Cards |  |  |
Finance Receivable Transferred To Held For Sale [Line Items] |  |  |
Gain (loss) on sale of financing receivable | $ (8,000,000) |  | $ (4,000,000)
Private Education Loans |  |  |
Finance Receivable Transferred To Held For Sale [Line Items] |  |  |
Ninety or more days delinquent |  | $ 142,000,000 | 151,000,000
Loans pledged to borrower in custody |  | 2,300,000,000 | 1,400,000,000
FFELP Loans |  |  |
Finance Receivable Transferred To Held For Sale [Line Items] |  |  |
Charge-off |  | $ 8,000,000 |
Ninety or more days delinquent |  |  | $ 45,000,000
Maximum |  |  |
Finance Receivable Transferred To Held For Sale [Line Items] |  |  |
Increments in which forbearance is granted |  | 2 months |
Interest rate offered to borrowers facing financial difficulty |  | 8.00% |
Interest rate offered to borrowers facing financial difficulty, duration |  | 4 years |
Minimum |  |  |
Finance Receivable Transferred To Held For Sale [Line Items] |  |  |
Increments in which forbearance is granted |  | 1 month |
Interest rate offered to borrowers facing financial difficulty |  | 2.00% |
Interest rate offered to borrowers facing financial difficulty, duration |  | 2 years |

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