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Allowance for Credit Losses and Unfunded Loan Commitments - Allowance and Recorded Investments in Loans (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended | 12 Months Ended |
--- | --- | --- | --- | ---
Mar. 31, 2025 | Mar. 31, 2024 | Sep. 30, 2023 | Dec. 31, 2024 | Dec. 31, 2023
Allowance For Credit Losses [Abstract] |  |  |  |  |
Allowance for loan losses, beginning balance | $ 1,435,920 | $ 1,339,772 |  | $ 1,339,772 |
Transfer from allowance for unfunded loan commitments |  | 131,614 |  |  |
Provision for current period |  | 94,559 |  |  |
Loan sale reduction to provision |  | (133,204) | $ (133,000) |  |
Total provisions |  | (38,645) |  |  |
Net charge-offs: |  |  |  |  |
Charge-offs |  | (93,997) |  |  |
Recoveries |  | 11,314 |  |  |
Net charge-offs |  | (82,683) |  |  |
Allowance for loan losses, ending balance | 1,443,715 | 1,350,058 |  | 1,435,920 |
Allowance |  |  |  |  |
Beginning balance | 84,568 | 112,962 |  | 112,962 |
Provision/New commitments - net | 44,456 | 50,686 |  |  |
Transfer to allowance for loan losses | (105,134) | (131,614) |  |  |
Ending balance | 23,890 | 32,034 |  | 84,568 |
Total allowance for credit losses, ending balance |  | 1,382,092 |  |  |
Accrued interest to be capitalized |  |  |  |  |
Unfunded loan commitments | 584,140 | 673,492 |  | 2,311,660 | $ 2,221,077
Total accrued interest receivable | 1,553,979 |  |  | 1,546,590 |
Provisions for credit losses reported in consolidated statements of income | 23,286 | 12,041 |  |  |
Private Education Loans |  |  |  |  |
Allowance For Credit Losses [Abstract] |  |  |  |  |
Allowance for loan losses, beginning balance | 1,435,920 | 1,335,105 |  | 1,335,105 |
Transfer from allowance for unfunded loan commitments | 105,134 | 131,614 |  |  |
Provision for current period | 95,289 | 94,476 |  |  |
Loan sale reduction to provision | (116,459) | (133,204) |  |  |
Total provisions | (21,170) | (38,728) |  |  |
Net charge-offs: |  |  |  |  |
Charge-offs | (86,903) | (93,874) |  |  |
Recoveries | 10,734 | 11,314 |  |  |
Net charge-offs | (76,169) | (82,560) |  |  |
Allowance for loan losses, ending balance | 1,443,715 | 1,345,431 |  | 1,435,920 |
Allowance |  |  |  |  |
Beginning balance | 84,568 | 112,962 |  | 112,962 |
Provision/New commitments - net | 44,456 | 50,686 |  |  |
Transfer to allowance for loan losses | (105,134) | (131,614) |  |  |
Ending balance | 23,890 | 32,034 |  | 84,568 |
Total allowance for credit losses, ending balance | $ 1,467,605 | $ 1,377,465 |  |  |
Accrued interest to be capitalized |  |  |  |  |
Net charge-offs as a percentage of average loans in repayment (annualized) | 1.88% | 2.14% |  |  |
Allowance coverage of net charge-offs (annualized) | 4.74 | 4.07 |  |  |
Total Allowance Percentage of Private Education Loan Exposure | 5.97% | 5.99% |  |  |
Ending total loans, gross | $ 22,432,125 | $ 20,952,346 |  |  |
Average loans in repayment | 16,240,511 | 15,407,495 |  |  |
Ending loans in repayment | 15,903,797 | 14,961,692 |  |  |
Unfunded loan commitments | 584,140 | 673,492 |  |  |
Total accrued interest receivable | 1,558,465 | 1,357,987 |  |  |
Provisions for loan losses | (21,170) | (38,728) |  |  |
Provisions for unfunded loan commitments | 44,456 | 50,686 |  |  |
Total Private Education Loan provisions for credit losses | 23,286 | 11,958 |  |  |
FFELP Loans |  |  |  |  |
Allowance For Credit Losses [Abstract] |  |  |  |  |
Allowance for loan losses, beginning balance |  | 4,667 |  | 4,667 |
Transfer from allowance for unfunded loan commitments |  | 0 |  |  |
Provision for current period |  | 83 |  |  |
Loan sale reduction to provision |  | 0 |  |  |
Total provisions |  | 83 |  |  |
Net charge-offs: |  |  |  |  |
Charge-offs |  | (123) |  |  |
Recoveries |  | 0 |  |  |
Net charge-offs |  | (123) |  |  |
Allowance for loan losses, ending balance |  | 4,627 |  |  |
Allowance |  |  |  |  |
Beginning balance |  | 0 |  | $ 0 |
Provision/New commitments - net |  | 0 |  |  |
Transfer to allowance for loan losses |  | 0 |  |  |
Ending balance |  | 0 |  |  |
Total allowance for credit losses, ending balance |  | $ 4,627 |  |  |
Accrued interest to be capitalized |  |  |  |  |
Net charge-offs as a percentage of average loans in repayment (annualized) |  | 0.12% |  |  |
Allowance coverage of net charge-offs (annualized) |  | 9.40 |  |  |
Total Allowance Percentage of Private Education Loan Exposure |  | 0.90% |  |  |
Ending total loans, gross |  | $ 516,363 |  |  |
Average loans in repayment |  | 399,680 |  |  |
Ending loans in repayment |  | 393,820 |  |  |
Unfunded loan commitments |  | 0 |  |  |
Total accrued interest receivable |  | 0 |  |  |
Other impacts to the provisions for credit losses: | $ 0 | $ 83 |  |  |

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