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Allowance for Credit Losses and Unfunded Loan Commitments - Age Analysis of Past Due Loans Delinquencies (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Sep. 30, 2024
Jun. 30, 2024
Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Private Education Loans allowance for losses $ (1,526,104) $ (1,435,920) $ (1,413,621) $ (1,269,652) $ (1,339,772)
Private Education Loans, net $ 21,615,067 $ 20,902,158      
Percentage of Private Education Loans in repayment, Year 1 57.50% 56.50%      
Percentage of Private Education Loans in repayment, Year 2 59.10% 63.50%      
Percentage of Private Education Loans in repayment, Year 3 68.00% 73.70%      
Percentage of Private Education Loans in repayment, Year 4 76.30% 80.30%      
Percentage of Private Education Loans in repayment, Year 5 81.70% 84.30%      
Percentage of Private Education Loans in repayment, After Year 5 89.10% 89.70%      
Percentage of Private Education Loans in repayment 70.70% 72.40%      
Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 1 0.20% 0.70%      
Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 2 1.30% 2.00%      
Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 3 4.60% 3.80%      
Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 4 5.30% 4.30%      
Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, Year 5 5.60% 4.40%      
Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment, After Year 5 6.60% 6.30%      
Delinquent Private Education Loans in repayment as a percentage of Private Education Loans in repayment 4.00% 3.70%      
Loans in forbearance as a percentage of loans in repayment and forbearance, Year 1 0.20% 0.70%      
Loans in forbearance as a percentage of loans in repayment and forbearance, Year 2 1.70% 3.60%      
Loans in forbearance as a percentage of loans in repayment and forbearance, Year 3 3.30% 3.60%      
Loans in forbearance as a percentage of loans in repayment and forbearance, Year 4 2.80% 3.10%      
Loans in forbearance as a percentage of loans in repayment and forbearance, Year 5 2.60% 2.70%      
Loans in forbearance as a percentage of loans in repayment and forbearance, After Year 5 2.00% 1.80%      
Loans in forbearance as a percentage of loans in repayment and forbearance 2.00% 2.50%      
Consumer Portfolio Segment | Student Loan          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total Private Education Loans in Repayment, Year 1 $ 2,477,545 $ 2,840,129      
Total Private Education Loans in Repayment, Year 2 3,484,949 3,379,077      
Total Private Education Loans in Repayment, Year 3 2,121,641 2,348,504      
Total Private Education Loans in Repayment, Year 4 1,846,716 1,661,502      
Total Private Education Loans in Repayment, Year 5 1,384,420 1,158,044      
Total Private Education Loans in Repayment, After Year 5 4,977,199 4,719,495      
Total Private Education Loans in repayment 16,292,470 16,106,751      
Total Private Education Loans, gross, Year 1 4,309,428 5,024,592      
Total Private Education Loans, gross, Year 2 5,901,069 5,321,510      
Total Private Education Loans, gross, Year 3 3,120,076 3,185,247      
Total Private Education Loans, gross, Year 4 2,419,425 2,069,436      
Total Private Education Loans, gross, Year 5 1,693,855 1,373,996      
Total Private Education Loans, gross, After Year 5 5,586,146 5,260,227      
Total Private Education Loans, gross 23,029,999 22,235,008      
Private Education Loans deferred origination costs and unamortized premium/(discount), Year 1 37,660 47,659      
Private Education Loans deferred origination costs and unamortized premium/(discount), Year 2 35,602 25,599      
Private Education Loans deferred origination costs and unamortized premium/(discount), Year 3 15,123 10,788      
Private Education Loans deferred origination costs and unamortized premium/(discount), Year 4 7,812 6,142      
Private Education Loans deferred origination costs and unamortized premium/(discount), Year 5 4,749 4,057      
Private Education Loans deferred origination costs and unamortized premium/(discount), After Year 5 10,226 8,825      
Private Education Loans deferred origination costs and unamortized premium/(discount) 111,172 103,070      
Total Private Education Loans, Year 1 4,347,088 5,072,251      
Total Private Education Loans, Year 2 5,936,671 5,347,109      
Total Private Education Loans, Year 3 3,135,199 3,196,035      
Total Private Education Loans, Year 4 2,427,237 2,075,578      
Total Private Education Loans, Year 5 1,698,604 1,378,053      
Total Private Education Loans, After Year 5 5,596,372 5,269,052      
Total Private Education Loans 23,141,171 22,338,078      
Private Education Loans allowance for losses, Year 1 (217,892) (258,235)      
Private Education Loans allowance for losses, Year 2 (325,227) (326,207)      
Private Education Loans allowance for losses, Year 3 (242,031) (234,532)      
Private Education Loans allowance for losses, Year 4 (199,827) (150,324)      
Private Education Loans allowance for losses, Year 5 (134,510) (90,600)      
Private Education Loans allowance for losses, After Year 5 (406,617) (376,022)      
Private Education Loans allowance for losses (1,526,104) (1,435,920)      
Private Education Loans, net, Year 1 4,129,196 4,814,016      
Private Education Loans, net, Year 2 5,611,444 5,020,902      
Private Education Loans, net, Year 3 2,893,168 2,961,503      
Private Education Loans, net, Year 4 2,227,410 1,925,254      
Private Education Loans, net, Year 5 1,564,094 1,287,453      
Private Education Loans, net, After Year 5 5,189,755 4,893,030      
Private Education Loans, net 21,615,067 20,902,158      
Consumer Portfolio Segment | Student Loan | Loan delinquent, current          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Year 1 2,472,114 2,820,940      
Year 2 3,439,618 3,312,916      
Year 3 2,024,028 2,259,455      
Year 4 1,749,605 1,590,812      
Year 5 1,307,139 1,107,189      
After Year 5 4,646,400 4,422,021      
Loan type 15,638,904 15,513,333      
Consumer Portfolio Segment | Student Loan | Loan delinquent 30-59 days          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Year 1 3,649 13,533      
Year 2 27,307 36,441      
Year 3 48,789 45,543      
Year 4 46,391 35,245      
Year 5 37,939 27,302      
After Year 5 171,237 152,684      
Loan type 335,312 310,748      
Consumer Portfolio Segment | Student Loan | Loan delinquent 60-89 days          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Year 1 1,319 3,973      
Year 2 11,444 15,239      
Year 3 26,315 23,359      
Year 4 28,145 18,365      
Year 5 22,256 10,921      
After Year 5 83,656 68,878      
Loan type 173,135 140,735      
Consumer Portfolio Segment | Student Loan | Loan delinquent 90 days or greater past due          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Year 1 463 1,683      
Year 2 6,580 14,481      
Year 3 22,509 20,147      
Year 4 22,575 17,080      
Year 5 17,086 12,632      
After Year 5 75,906 75,912      
Loan type 145,119 141,935      
Loans In-school/grace/deferment | Consumer Portfolio Segment | Student Loan          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Year 1 1,827,104 2,164,479      
Year 2 2,355,608 1,817,705      
Year 3 925,764 748,782      
Year 4 520,155 355,248      
Year 5 271,985 184,377      
After Year 5 505,152 452,236      
Loan type 6,405,768 5,722,827      
Loans In forbearance | Consumer Portfolio Segment | Student Loan          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total Private Education Loans in forbearance, Year 1 4,779 19,984      
Total Private Education Loans in forbearance, Year 2 60,512 124,728      
Total Private Education Loans in forbearance, Year 3 72,671 87,961      
Total Private Education Loans in forbearance, Year 4 52,554 52,686      
Total Private Education Loans in forbearance, Year 5 37,450 31,575      
Total Private Education Loans in forbearance, After Year 5 103,795 88,496      
Total Private Education Loans in forbearance $ 331,761 $ 405,430