CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017
Operating activities
Net income	$ 236,086	$ 165,560
Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Provisions for credit losses	117,198	75,511
Income tax expense	81,071	95,724
Amortization of brokered deposit placement fee	5,847	4,339
Amortization of ABCP Facility upfront fee	575	668
Amortization of deferred loan origination costs and loan premium/(discounts), net	5,115	4,069
Net amortization of discount on investments	985	872
Income on tax indemnification receivable	(3,453)	(3,427)
Depreciation of premises and equipment	6,475	5,365
Amortization of acquired intangibles	184	234
Stock-based compensation expense	20,261	15,500
Unrealized losses on derivatives and hedging activities, net	1,175	10,833
Gains on sales of loans, net	2,060	0
Losses on sales of securities, net	(1,549)	0
Other adjustments to net income, net	3,296	2,998
Changes in operating assets and liabilities:
Increase in accrued interest receivable	(407,813)	(324,684)
(Increase) decrease in other interest-earning assets	(6,799)	588
Decrease in tax indemnification receivable	17,994	29,817
Increase in other assets	(51,451)	(20,586)
Decrease in income taxes payable, net	(107,973)	(139,775)
Increase in accrued interest payable	11,295	3,275
Decrease in payable due to entity that is a subsidiary of Navient	(763)	(1,244)
Decrease in other liabilities	(8,288)	(35,267)
Total adjustments	(315,580)	(275,190)
Total net cash used in operating activities	(79,494)	(109,630)
Investing activities
Loans acquired and originated	(3,162,764)	(2,347,344)
Net proceeds from sales of loans held for investment	44,832	3,472
Proceeds from claim payments	27,000	24,907
Net decrease in loans held for investment	1,442,627	980,234
Purchases of available-for-sale securities	(2,914)	(40,124)
Proceeds from sales and maturities of available-for-sale securities	62,237	16,976
Total net cash used in investing activities	(1,588,982)	(1,361,879)
Financing activities
Brokered deposit placement fee	(18,885)	(5,329)
Net increase in certificates of deposit	947,437	308,069
Net increase in other deposits	331,926	51,447
Borrowings collateralized by loans in securitization trusts - issued	1,350,587	767,244
Borrowings collateralized by loans in securitization trusts - repaid	(411,904)	(262,567)
Issuance costs for unsecured debt offering	0	(423)
Unsecured debt issued	0	197,000
Borrowings under ABCP Facility	300,000	0
Repayment of borrowings under ABCP Facility	(300,000)	0
Fees paid on ABCP Facility	(1,095)	(1,259)
Redemption of Preferred Stock Series A	0	(165,000)
Preferred stock dividends paid	(7,317)	(9,549)
Net cash provided by financing activities	2,190,749	879,633
Net increase (decrease) in cash, cash equivalents and restricted cash	522,273	(591,876)
Cash, cash equivalents and restricted cash at beginning of period	1,636,175	1,972,510
Cash, cash equivalents and restricted cash at beginning of period	2,158,448	1,380,634
Cash disbursements made for:
Interest	207,872	121,601
Income taxes paid	111,173	139,828
Income taxes refunded	(3,790)	(833)
Reconciliation of the Consolidated Statements of Cash Flows to the Consolidated Balance Sheets:
Total cash, cash equivalents and restricted cash	$ 1,636,175	$ 1,972,510