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Segment Reporting - Segment Results and Reconciliations to GAAP (Detail) - USD ($) $ in Millions | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2021 | Jun. 30, 2020 | Jun. 30, 2021 | Jun. 30, 2020
Interest income: |  |  |  |
Cash and investments | $ 1 | $ 2 | $ 1 | $ 15
Total interest income | 661 | 819 | 1,352 | 1,807
Total interest expense | 339 | 519 | 667 | 1,234
Net interest income | 322 | 300 | 685 | 573
Less: provisions for loan losses | (1) | 44 | (88) | 139
Net interest income after provisions for loan losses | 323 | 256 | 773 | 434
Other income (loss): |  |  |  |
Servicing revenue | 50 | 52 | 102 | 109
Asset recovery and business processing revenue | 142 | 102 | 281 | 212
Other income (loss) | (6) | (21) | 31 | (236)
Losses on debt repurchases | (12) |  | (12) |
Total other income (loss) | 176 | 133 | 480 | 85
Gains on sales of loans | 2 |  | 78 |
Gains on sales of loans | 2 |  | 78 |
Losses on debt repurchases | (12) |  | (12) |
Expenses: |  |  |  |
Direct operating expenses | 186 | 161 | 379 | 336
Unallocated shared services expenses | 66 | 52 | 131 | 127
Total operating expenses | 252 | 213 | 510 | 463
Goodwill and acquired intangible asset impairment and amortization | 5 | 5 | 10 | 11
Restructuring/other reorganization expenses | 2 | 1 | 8 | 6
Total expenses | 259 | 219 | 528 | 480
Income before income tax expense | 240 | 170 | 725 | 39
Income tax expense (benefit) | 55 | 45 | 170 | 20
Net income | 185 | 125 | 555 | 19
Operating Segments [Member] |  |  |  |
Interest income: |  |  |  |
Cash and investments | 1 | 2 | 1 | 15
Total interest income | 647 | 820 | 1,324 | 1,819
Total interest expense | 365 | 491 | 747 | 1,193
Net interest income | 282 | 329 | 577 | 626
Less: provisions for loan losses | (1) | 44 | (88) | 139
Net interest income after provisions for loan losses | 283 | 285 | 665 | 487
Other income (loss): |  |  |  |
Servicing revenue | 50 | 52 | 102 | 109
Asset recovery and business processing revenue | 142 | 102 | 281 | 212
Other income (loss) | 4 | 9 | 5 | 17
Losses on debt repurchases | (12) |  | (12) |
Total other income (loss) | 186 | 163 | 467 | 338
Gains on sales of loans | 2 |  | 91 |
Gains on sales of loans | 2 |  | 91 |
Losses on debt repurchases | (12) |  | (12) |
Expenses: |  |  |  |
Direct operating expenses | 186 | 161 | 379 | 336
Unallocated shared services expenses | 66 | 52 | 131 | 127
Total operating expenses | 252 | 213 | 510 | 463
Restructuring/other reorganization expenses | 2 | 1 | 8 | 6
Total expenses | 254 | 214 | 518 | 469
Income before income tax expense | 215 | 234 | 614 | 356
Income tax expense (benefit) | 50 | 55 | 145 | 84
Net income | 165 | 179 | 469 | 272
Operating Segments [Member] | Federal Education Loans [Member] |  |  |  |
Interest income: |  |  |  |
Cash and investments |  | 1 |  | 7
Total interest income | 351 | 457 | 709 | 1,044
Total interest expense | 210 | 286 | 424 | 742
Net interest income | 141 | 171 | 285 | 302
Less: provisions for loan losses |  | 3 |  | 9
Net interest income after provisions for loan losses | 141 | 168 | 285 | 293
Other income (loss): |  |  |  |
Servicing revenue | 47 | 51 | 99 | 106
Asset recovery and business processing revenue | 12 | 38 | 26 | 90
Other income (loss) | 2 | 5 | 2 | 9
Total other income (loss) | 61 | 94 | 127 | 205
Expenses: |  |  |  |
Direct operating expenses | 55 | 70 | 117 | 153
Total operating expenses | 55 | 70 | 117 | 153
Total expenses | 55 | 70 | 117 | 153
Income before income tax expense | 147 | 192 | 295 | 345
Income tax expense (benefit) | 34 | 46 | 70 | 82
Net income | 113 | 146 | 225 | 263
Operating Segments [Member] | Consumer Lending [Member] |  |  |  |
Interest income: |  |  |  |
Cash and investments |  |  |  | 3
Total interest income | 295 | 362 | 614 | 770
Total interest expense | 137 | 174 | 287 | 385
Net interest income | 158 | 188 | 327 | 385
Less: provisions for loan losses | (1) | 41 | (88) | 130
Net interest income after provisions for loan losses | 159 | 147 | 415 | 255
Other income (loss): |  |  |  |
Servicing revenue | 3 | 1 | 3 | 3
Other income (loss) |  |  | 1 |
Total other income (loss) | 5 | 1 | 95 | 3
Gains on sales of loans | 2 |  | 91 |
Gains on sales of loans | 2 |  | 91 |
Expenses: |  |  |  |
Direct operating expenses | 39 | 34 | 79 | 72
Total operating expenses | 39 | 34 | 79 | 72
Total expenses | 39 | 34 | 79 | 72
Income before income tax expense | 125 | 114 | 431 | 186
Income tax expense (benefit) | 29 | 27 | 101 | 43
Net income | 96 | 87 | 330 | 143
Operating Segments [Member] | Business Processing [Member] |  |  |  |
Other income (loss): |  |  |  |
Asset recovery and business processing revenue | 130 | 64 | 255 | 122
Total other income (loss) | 130 | 64 | 255 | 122
Expenses: |  |  |  |
Direct operating expenses | 92 | 57 | 183 | 111
Total operating expenses | 92 | 57 | 183 | 111
Total expenses | 92 | 57 | 183 | 111
Income before income tax expense | 38 | 7 | 72 | 11
Income tax expense (benefit) | 9 | 1 | 17 | 3
Net income | 29 | 6 | 55 | 8
Operating Segments [Member] | Other Segment [Member] |  |  |  |
Interest income: |  |  |  |
Cash and investments | 1 | 1 | 1 | 5
Total interest income | 1 | 1 | 1 | 5
Total interest expense | 18 | 31 | 36 | 66
Net interest income | (17) | (30) | (35) | (61)
Net interest income after provisions for loan losses | (17) | (30) | (35) | (61)
Other income (loss): |  |  |  |
Other income (loss) | 2 | 4 | 2 | 8
Losses on debt repurchases | (12) |  | (12) |
Total other income (loss) | (10) | 4 | (10) | 8
Losses on debt repurchases | (12) |  | (12) |
Expenses: |  |  |  |
Unallocated shared services expenses | 66 | 52 | 131 | 127
Total operating expenses | 66 | 52 | 131 | 127
Restructuring/other reorganization expenses | 2 | 1 | 8 | 6
Total expenses | 68 | 53 | 139 | 133
Income before income tax expense | (95) | (79) | (184) | (186)
Income tax expense (benefit) | (22) | (19) | (43) | (44)
Net income | (73) | (60) | (141) | (142)
Adjustments [Member] | Reclassifications [Member] |  |  |  |
Interest income: |  |  |  |
Total interest income | 24 | 13 | 48 | 16
Total interest expense | (2) | 25 | (3) | 32
Net interest income | 26 | (12) | 51 | (16)
Net interest income after provisions for loan losses | 26 | (12) | 51 | (16)
Other income (loss): |  |  |  |
Other income (loss) | (26) | 12 | (38) | 16
Total other income (loss) | (26) | 12 | (51) | 16
Gains on sales of loans |  |  | (13) |
Gains on sales of loans |  |  | (13) |
Adjustments [Member] | Additions (Subtractions) [Member] |  |  |  |
Interest income: |  |  |  |
Total interest income | (10) | (14) | (20) | (28)
Total interest expense | (24) | 3 | (77) | 9
Net interest income | 14 | (17) | 57 | (37)
Net interest income after provisions for loan losses | 14 | (17) | 57 | (37)
Other income (loss): |  |  |  |
Other income (loss) | 16 | (42) | 64 | (269)
Total other income (loss) | 16 | (42) | 64 | (269)
Expenses: |  |  |  |
Goodwill and acquired intangible asset impairment and amortization | 5 | 5 | 10 | 11
Total expenses | 5 | 5 | 10 | 11
Income before income tax expense | 25 | (64) | 111 | (317)
Income tax expense (benefit) | 5 | (10) | 25 | (64)
Net income | 20 | (54) | 86 | (253)
Adjustments [Member] | Total Adjustments [Member] |  |  |  |
Interest income: |  |  |  |
Total interest income | 14 | (1) | 28 | (12)
Total interest expense | (26) | 28 | (80) | 41
Net interest income | 40 | (29) | 108 | (53)
Net interest income after provisions for loan losses | 40 | (29) | 108 | (53)
Other income (loss): |  |  |  |
Other income (loss) | (10) | (30) | 26 | (253)
Total other income (loss) | (10) | (30) | 13 | (253)
Gains on sales of loans |  |  | (13) |
Gains on sales of loans |  |  | (13) |
Expenses: |  |  |  |
Goodwill and acquired intangible asset impairment and amortization | 5 | 5 | 10 | 11
Total expenses | 5 | 5 | 10 | 11
Income before income tax expense | 25 | (64) | 111 | (317)
Income tax expense (benefit) | 5 | (10) | 25 | (64)
Net income | 20 | (54) | 86 | (253)
Education Loan Portfolio [Member] |  |  |  |
Interest income: |  |  |  |
Total interest income | 660 | 817 | 1,351 | 1,792
Education Loan Portfolio [Member] | Operating Segments [Member] |  |  |  |
Interest income: |  |  |  |
Total interest income | 646 | 818 | 1,323 | 1,804
Education Loan Portfolio [Member] | Operating Segments [Member] | Federal Education Loans [Member] |  |  |  |
Interest income: |  |  |  |
Total interest income | 351 | 456 | 709 | 1,037
Education Loan Portfolio [Member] | Operating Segments [Member] | Consumer Lending [Member] |  |  |  |
Interest income: |  |  |  |
Total interest income | 295 | 362 | 614 | 767
Education Loan Portfolio [Member] | Adjustments [Member] | Reclassifications [Member] |  |  |  |
Interest income: |  |  |  |
Total interest income | 24 | 13 | 48 | 16
Education Loan Portfolio [Member] | Adjustments [Member] | Additions (Subtractions) [Member] |  |  |  |
Interest income: |  |  |  |
Total interest income | (10) | (14) | (20) | (28)
Education Loan Portfolio [Member] | Adjustments [Member] | Total Adjustments [Member] |  |  |  |
Interest income: |  |  |  |
Total interest income | $ 14 | $ (1) | $ 28 | $ (12)

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