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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 6 Months Ended 12 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Dec. 31, 2024
Mar. 31, 2025
Mar. 31, 2024
Dec. 31, 2023
Allowance For Credit Losses [Abstract]                
Allowance for loan losses, beginning balance   $ 1,350,058 $ 1,435,920 $ 1,339,772 $ 1,339,772      
Transfer from allowance for unfunded loan commitments   29,715   161,329        
Provision for current period   72,421   166,980        
Loan sale reduction to provision   (102,751)   (235,955)        
Total provisions   (30,330)   (68,975)        
Net charge-offs:                
Charge-offs   (91,168)   (185,165)        
Recoveries   11,377   22,691        
Net charge-offs   (79,791)   (162,474)        
Allowance for loan losses, ending balance $ 1,469,509 1,269,652 1,469,509 1,269,652 1,435,920      
Allowance                
Beginning balance 23,890 32,034 84,568 112,962 112,962      
Provision/New commitments - net 56,529 47,160 100,985 97,846        
Transfer to allowance for loan losses (27,878) (29,715) (133,012) (161,329)        
Ending balance 52,541 49,479 52,541 49,479 84,568      
Total allowance for credit losses, ending balance   1,319,131   1,319,131        
Accrued interest to be capitalized                
Unfunded loan commitments 1,358,163 1,300,393 1,358,163 1,300,393 2,311,660 $ 584,140 $ 673,492 $ 2,221,077
Total accrued interest receivable 1,695,698   1,695,698   1,546,590      
Provisions for credit losses reported in consolidated statements of income 148,718 16,830 172,004 28,871        
Private Education Loans                
Allowance For Credit Losses [Abstract]                
Allowance for loan losses, beginning balance 1,443,715 1,345,431 1,435,920 1,335,105 1,335,105      
Transfer from allowance for unfunded loan commitments 27,878 29,715 133,012 161,329        
Provision for current period 92,189 72,862 187,478 167,338        
Loan sale reduction to provision   (102,751) (116,459) (235,955)        
Total provisions 92,189 (29,889) 71,019 (68,617)        
Net charge-offs:                
Charge-offs (106,866) (91,042) (193,769) (184,916)        
Recoveries 12,593 11,377 23,327 22,691        
Net charge-offs (94,273) (79,665) (170,442) (162,225)        
Allowance for loan losses, ending balance 1,469,509 1,265,592 1,469,509 1,265,592 1,435,920      
Allowance                
Beginning balance 23,890 32,034 84,568 112,962 112,962      
Provision/New commitments - net 56,529 47,160 100,985 97,846        
Transfer to allowance for loan losses (27,878) (29,715) (133,012) (161,329)        
Ending balance 52,541 49,479 52,541 49,479 84,568      
Total allowance for credit losses, ending balance $ 1,522,050 $ 1,315,071 $ 1,522,050 $ 1,315,071        
Accrued interest to be capitalized                
Net charge-offs as a percentage of average loans in repayment (annualized) 2.36% 2.19% 2.11% 2.17%        
Allowance coverage of net charge-offs (annualized) 3.90 3.97 4.31 3.90        
Total Allowance Percentage of Private Education Loan Exposure 5.95% 5.90% 5.95% 5.90%        
Ending total loans, gross $ 22,525,817 $ 19,619,531 $ 22,525,817 $ 19,619,531        
Average loans in repayment 15,991,357 14,543,669 16,146,239 14,977,567        
Ending loans in repayment 16,231,194 14,231,581 16,231,194 14,231,581        
Unfunded loan commitments 1,358,163 1,300,393 1,358,163 1,300,393        
Total accrued interest receivable 1,701,944 1,367,482 1,701,944 1,367,482        
Provisions for loan losses 92,189 (29,889) 71,019 (68,617)        
Provisions for unfunded loan commitments 56,529 47,160 100,985 97,846        
Total Private Education Loan provisions for credit losses 148,718 17,271 172,004 29,229        
FFELP Loans                
Allowance For Credit Losses [Abstract]                
Allowance for loan losses, beginning balance   4,627   4,667 4,667      
Transfer from allowance for unfunded loan commitments   0   0        
Provision for current period   (441)   (358)        
Loan sale reduction to provision   0   0        
Total provisions   (441)   (358)        
Net charge-offs:                
Charge-offs   (126)   (249)        
Recoveries   0   0        
Net charge-offs   (126)   (249)        
Allowance for loan losses, ending balance   4,060   4,060        
Allowance                
Beginning balance   0   0 $ 0      
Provision/New commitments - net   0   0        
Transfer to allowance for loan losses   0   0        
Ending balance   0   0        
Total allowance for credit losses, ending balance   $ 4,060   $ 4,060        
Accrued interest to be capitalized                
Net charge-offs as a percentage of average loans in repayment (annualized)   0.13%   0.13%        
Allowance coverage of net charge-offs (annualized)   8.06   8.15        
Total Allowance Percentage of Private Education Loan Exposure   0.84%   0.84%        
Ending total loans, gross   $ 485,608   $ 485,608        
Average loans in repayment   378,667   388,510        
Ending loans in repayment   369,681   369,681        
Unfunded loan commitments   0   0        
Total accrued interest receivable   0   0        
Other impacts to the provisions for credit losses: $ 0 $ (441) $ 0 $ (358)