Summary of Significant Accounting Policies (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jul. 31, 2017 USD ($) shares	Jul. 31, 2016 USD ($) shares	Jul. 31, 2017 USD ($) segment shares	Jul. 31, 2016 USD ($) shares	Jan. 31, 2017 USD ($)
Schedule of Earnings Per Share [Line Items]
Loans and Leases Receivable, Deferred Income	$ 13,500		$ 13,500		$ 13,700
Number of Operating Segments | segment			2
Credit and Debit Card Receivables, at Carrying Value	3,200		$ 3,200		2,400
Restricted Cash and Cash Equivalents	86,436		86,436		110,698
Interest Income on Customer Accounts Receivable [Abstract]
Financing Receivable, Recorded Investment, Nonaccrual Status	49,200		49,200		22,900
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	84,900		84,900		124,000
Financing Receivable, Recorded Investment, Current	15,200		15,200		19,500
Reduction to allowance for doubtful accounts	4,400
Deferred debt issuance costs	6,827		6,827		10,853
Stock-based compensation expense	$ 3,600	$ 1,300	$ 5,200	$ 2,600
Weighted average number of stock options and restricted stock units not included in the calculation of the dilutive effect of stock options and restricted stock units (in shares) | shares	400,000	1,300,000	500,000	1,000,000
Shares outstanding for earnings (loss) per share calculations [Abstract]
Weighted average common shares outstanding - Basic (in shares) | shares	31,094,000	30,731,000	31,034,000	30,696,000
Common shares attributable to stock options and restricted stock units (in shares) | shares	341,000	0
Weighted average common shares outstanding - Diluted (in shares) | shares	31,435,000	30,731,000	31,292,000	30,696,000
Secured Debt [Member]
Interest Income on Customer Accounts Receivable [Abstract]
Long-term Debt	$ 227,000		$ 227,000
Senior Notes [Member]
Interest Income on Customer Accounts Receivable [Abstract]
Debt Instrument, Fair Value Disclosure	$ 221,400		$ 221,400
Restricted Stock Units (RSUs) [Member]
Interest Income on Customer Accounts Receivable [Abstract]
Grants in period (in shares) | shares	318,806	319,454	643,293	328,827
Grant date fair value	$ 6,800	$ 4,800	$ 14,500	$ 4,900
Stock options and restricted stock [Member] | Minimum [Member]
Interest Income on Customer Accounts Receivable [Abstract]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period			3 years
Stock options and restricted stock [Member] | Maximum [Member]
Interest Income on Customer Accounts Receivable [Abstract]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period			5 years
Employee Stock Option [Member]
Shares outstanding for earnings (loss) per share calculations [Abstract]
Common shares attributable to stock options and restricted stock units (in shares) | shares			258,000	0
Officer [Member] | Performance Shares [Member]
Interest Income on Customer Accounts Receivable [Abstract]
Grants in period (in shares) | shares	72,012	131,759	501,012	131,759
Officer [Member] | Performance Shares [Member] | Proposed Amendment to 2016 Omnibus Incentive Equity Plan [Member]
Interest Income on Customer Accounts Receivable [Abstract]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period			3 years
Revolving Credit Facility [Member]
Interest Income on Customer Accounts Receivable [Abstract]
Deferred debt issuance costs	$ 6,700		$ 6,700		5,700
Securitized Receivables Servicer [Member]
Schedule of Earnings Per Share [Line Items]
Restricted Cash and Cash Equivalents	27,700		27,700		35,500
Collateral Held by VIE [Member]
Schedule of Earnings Per Share [Line Items]
Restricted Cash and Cash Equivalents	$ 58,700		$ 58,700		$ 75,200