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Allowance for Loan Losses - Private Education Loan Portfolio Stratified by Key Credit Quality Indicators (Detail) (USD $)
In Thousands, unless otherwise specified
Mar. 31, 2015
Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total $ 9,768,761slm_PrivateEducationLoansGross $ 8,311,376slm_PrivateEducationLoansGross
Private Education Loans | Cosigners    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Private Education Loans with cosigner 8,804,812slm_PrivateLoansWithCosigner
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_CosignerMember
[1] 7,465,339slm_PrivateLoansWithCosigner
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_CosignerMember
[1]
Private Education Loans without cosigner 963,949slm_PrivateLoansWithoutCosigner
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_CosignerMember
[1] 846,037slm_PrivateLoansWithoutCosigner
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_CosignerMember
[1]
Private Education Loans with cosigner in percent 90.00%slm_PercentOfPrivateLoansWithCosigner
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_CosignerMember
90.00%slm_PercentOfPrivateLoansWithCosigner
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_CosignerMember
Private Education Loans without cosigner in percent 10.00%slm_PercentOfPrivateLoansWithoutCosigner
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_CosignerMember
10.00%slm_PercentOfPrivateLoansWithoutCosigner
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_CosignerMember
Total 9,768,761slm_PrivateEducationLoansGross
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_CosignerMember
[1] 8,311,376slm_PrivateEducationLoansGross
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_CosignerMember
[1]
Total in percent 100.00%slm_PrivateEducationLoansGrossInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_CosignerMember
100.00%slm_PrivateEducationLoansGrossInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_CosignerMember
Private Education Loans | FICO at Origination    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 9,768,761slm_PrivateEducationLoansGross
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_SchoolFicoMember
[1] 8,311,376slm_PrivateEducationLoansGross
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_SchoolFicoMember
[1]
Total in percent 100.00%slm_PrivateEducationLoansGrossInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_SchoolFicoMember
100.00%slm_PrivateEducationLoansGrossInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_SchoolFicoMember
Private Education Loans | Seasoning    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 9,768,761slm_PrivateEducationLoansGross
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[1],[2] 8,311,376slm_PrivateEducationLoansGross
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[1],[2]
Seasoning - based on monthly scheduled payments due from 1-12 payments 3,031,655slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePayments
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[1],[2] 2,373,117slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePayments
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[1],[2]
Seasoning - based on monthly scheduled payments due from 13-24 payments 1,650,103slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPayments
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[1],[2] 1,532,042slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPayments
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[1],[2]
Seasoning - based on monthly scheduled payments due from 25-36 payments 812,674slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPayments
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[1],[2] 755,143slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPayments
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[1],[2]
Seasoning - based on monthly scheduled payments due from 37-48 payments 412,865slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPayments
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[1],[2] 411,493slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPayments
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[1],[2]
Seasoning - based on monthly scheduled payments due from more than 48 payments 257,986slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPayments
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[1],[2] 212,438slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPayments
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[1],[2]
Seasoning - based on monthly scheduled payments due from not yet in repayment 3,603,478slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepayment
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[1],[2] 3,027,143slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepayment
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[1],[2]
Seasoning based on monthly scheduled payments due from 1-12 payments, in percent 31.00%slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[2] 29.00%slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[2]
Seasoning based on monthly scheduled payments due from 13 - 24 payments, in percent 17.00%slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[2] 18.00%slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[2]
Seasoning based on monthly scheduled payments due from 25 - 36 payments, in percent 8.00%slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[2] 9.00%slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[2]
Seasoning based on monthly scheduled payments due from 37 - 48 payments, in percent 4.00%slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[2] 5.00%slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[2]
Seasoning based on monthly scheduled payments due from more than 48 payments, in percent 3.00%slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[2] 3.00%slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[2]
Seasoning - based on monthly scheduled payments due from not yet in repayment, in percent 37.00%slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[2] 36.00%slm_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[2]
Total in percent 100.00%slm_PrivateEducationLoansGrossInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[2] 100.00%slm_PrivateEducationLoansGrossInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_RepaymentsMember
[2]
FICO score less than 670 | Private Education Loans | FICO at Origination    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 638,195slm_PrivateEducationLoansGross
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_SchoolFicoMember
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= slm_FICOscorelessthan670Member
[1] 558,801slm_PrivateEducationLoansGross
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_SchoolFicoMember
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= slm_FICOscorelessthan670Member
[1]
Total in percent 6.00%slm_PrivateEducationLoansGrossInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_SchoolFicoMember
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= slm_FICOscorelessthan670Member
7.00%slm_PrivateEducationLoansGrossInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_SchoolFicoMember
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= slm_FICOscorelessthan670Member
FICO score 670-699 | Private Education Loans | FICO at Origination    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 1,431,436slm_PrivateEducationLoansGross
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_SchoolFicoMember
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= slm_FICOscore670699Member
[1] 1,227,860slm_PrivateEducationLoansGross
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_SchoolFicoMember
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= slm_FICOscore670699Member
[1]
Total in percent 15.00%slm_PrivateEducationLoansGrossInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_SchoolFicoMember
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= slm_FICOscore670699Member
15.00%slm_PrivateEducationLoansGrossInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_SchoolFicoMember
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= slm_FICOscore670699Member
FICO score 700-749 | Private Education Loans | FICO at Origination    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 3,103,824slm_PrivateEducationLoansGross
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_SchoolFicoMember
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= slm_FICOscore700749Member
[1] 2,626,238slm_PrivateEducationLoansGross
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_SchoolFicoMember
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= slm_FICOscore700749Member
[1]
Total in percent 32.00%slm_PrivateEducationLoansGrossInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_SchoolFicoMember
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= slm_FICOscore700749Member
32.00%slm_PrivateEducationLoansGrossInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_SchoolFicoMember
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= slm_FICOscore700749Member
FICO score greater than or equal to 750 | Private Education Loans | FICO at Origination    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total $ 4,595,306slm_PrivateEducationLoansGross
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_SchoolFicoMember
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= slm_FICOscoregreaterthan750Member
[1] $ 3,898,477slm_PrivateEducationLoansGross
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_SchoolFicoMember
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= slm_FICOscoregreaterthan750Member
[1]
Total in percent 47.00%slm_PrivateEducationLoansGrossInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_SchoolFicoMember
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= slm_FICOscoregreaterthan750Member
46.00%slm_PrivateEducationLoansGrossInPercent
/ us-gaap_AccountsNotesLoansAndFinancingReceivablesByIndustryOfCounterpartyTypeAxis
= slm_PrivateEducationLoansMember
/ slm_CreditQualityIndicatorsAxis
= slm_SchoolFicoMember
/ us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis
= slm_FICOscoregreaterthan750Member
[1] Balance represents gross Private Education Loans.
[2] Number of months in active repayment for which a scheduled payment was due.