CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Jan. 31, 2017	Jan. 31, 2016	Jan. 31, 2015
Cash flows from operating activities:
Net income (loss)	$ (25,562)	$ 30,855	$ 58,513
Adjustments to reconcile net (loss) income to net cash provided by (used in) operating activities:
Depreciation	28,846	22,706	18,485
Loss from retirement of leasehold improvement	1,986	0	0
Amortization of debt issuance costs	24,044	13,437	3,119
Provision for bad debts and uncollectible interest	281,872	258,157	219,347
Loss on extinguishment of debt	0	1,367	0
Stock-based compensation expense	5,001	4,611	4,097
Excess tax benefits from stock-based compensation	(1)	(611)	(1,293)
Charges, net of credits, for store and facility closures	1,089	637	3,646
Deferred income taxes	(1,223)	(16,674)	(25,540)
Gain from sale of property and equipment	(490)	(1,338)	(211)
Tenant improvement allowances received from landlords	24,274	21,822	23,781
Other	0	0	47
Change in operating assets and liabilities:
Customer accounts receivable	(224,363)	(432,382)	(436,018)
Other accounts receivables	16,601	(24,421)	(8,087)
Inventories	37,113	(42,901)	(38,537)
Other assets	308	(2,759)	(4,480)
Accounts payable	18,434	4,074	(3,374)
Accrued expenses	(944)	(2,095)	6,548
Income taxes	7,961	(344)	(8,345)
Deferred rent, revenues and other credits	10,184	(8,263)	(1,599)
Net cash provided by (used in) operating activities	205,130	(174,122)	(189,901)
Cash flows from investing activities:
Purchases of property and equipment	(46,556)	(63,405)	(61,696)
Proceeds from sales of property and equipment	10,806	5,647	19,283
Net cash used in investing activities	(35,750)	(57,758)	(42,413)
Cash flows from financing activities:
Proceeds from issuance of asset-backed notes	1,067,850	1,118,000	0
Payments on asset-backed notes	(1,032,842)	(400,717)	0
Changes in restricted cash balances	(32,122)	(78,576)	0
Borrowings from revolving credit facility	724,697	606,288	487,305
Payments on revolving credit facility	(876,404)	(805,193)	(494,150)
Proceeds from issuance of senior notes, net of issuance costs	0	0	243,400
Repurchase of senior notes	0	(22,965)	0
Payment of debt issuance costs and amendment fees	(9,716)	(35,776)	0
Repurchases of common stock	0	(151,781)	0
Proceeds from stock issued under employee benefit plans	1,268	2,653	1,669
Excess tax benefits from stock-based compensation	1	611	1,293
Other	(800)	(633)	(707)
Net cash (used in) provided by financing activities	(158,068)	231,911	238,810
Net change in cash and cash equivalents	11,312	31	6,496
Cash and cash equivalents, beginning of period	12,254	12,223	5,727
Cash and cash equivalents, end of period	23,566	12,254	12,223
Non-cash investing and financing activities:
Capital lease asset additions and related obligations	704	2,187	304
Property and equipment purchases not yet paid	857	4,475	5,867
Supplemental cash flow data:
Cash interest paid	71,239	49,192	26,056
Cash income taxes paid (refunded), net	$ (15,750)	$ 36,894	$ 64,738