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Borrowings - Narrative (Details) - USD ($)
3 Months Ended 12 Months Ended
Feb. 18, 2025
Jun. 14, 2024
Mar. 31, 2025
Dec. 31, 2024
Jan. 31, 2025
Aug. 31, 2024
May 31, 2024
Line of Credit Facility [Line Items]              
Short-term borrowings     $ 0 $ 0      
Notes Issued       $ 2,216,000,000      
Estimated weighted average life of student loans     5 years 7 months 6 days 5 years 7 months 6 days      
Vertical risk retention interest     5.00%        
Uncommitted federal funds     $ 125,000,000        
Lendable value of collateral     2,500,000,000 $ 2,200,000,000      
Unsecured borrowings              
Line of Credit Facility [Line Items]              
Short-term borrowings     0 0      
Secured Borrowings | Line of Credit              
Line of Credit Facility [Line Items]              
Secured borrowing facility maximum borrowing capacity   $ 2,000,000,000          
Line of credit facility, interest holding percentage   100.00%          
Short-term borrowings     0 $ 0      
2024-C ABS Transaction              
Line of Credit Facility [Line Items]              
Notes Issued             $ 668,000,000
2024-E ABS Transaction              
Line of Credit Facility [Line Items]              
Notes Issued           $ 868,000,000  
ABCP borrowings | Secured Borrowings              
Line of Credit Facility [Line Items]              
Line of credit facility, expiration period   2 years          
Senior Unsecured Notes Due January 31, 2030 | Unsecured borrowings              
Line of Credit Facility [Line Items]              
Notes Issued         $ 500,000,000    
Debt instrument, interest rate, stated percentage         6.50%    
Unsecured debt     $ 493,000,000        
Senior Unsecured Notes Due October 29, 2025 | Unsecured borrowings              
Line of Credit Facility [Line Items]              
Debt instrument, interest rate, stated percentage 4.20%            
Repayments of long-term debt $ 500,000,000            
Debt instrument, redemption price, percentage 100.00%            
Gain (loss) on extinguishment of debt $ (1,000,000)