Customer Accounts Receivable (Details) - USD ($) $ in Thousands	6 Months Ended
	Jul. 31, 2017	Jul. 31, 2016	Jul. 31, 2017	Apr. 30, 2017	Jan. 31, 2017	Jul. 31, 2016
Total Outstanding Balance
Customer Accounts Receivable			$ 1,479,532		$ 1,556,439
Financing Receivable Outstanding Balance 60 Days Past Due			153,783		165,757
Reaged			236,881		250,443
Allowance for uncollectible accounts related to the credit portfolio	$ (210,175)	$ (190,990)	(202,655)		(210,175)	$ (201,176)
Allowances for promotional credit programs			(18,587)		(21,207)
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums			(12,152)		(6,991)
Total customer accounts receivable, net			1,246,138		1,318,066
Short-term portion of customer accounts receivable, net			(644,148)		(702,162)
Long-term customer accounts receivable, net			601,990		615,904
Amounts included within past due and reaged accounts			70,800		66,700
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]
Allowance at beginning of period	(210,175)	(190,990)
Provision	125,493	138,101
Principal charge-offs	(118,410)	(112,230)
Interest charge-offs	(19,139)	(18,928)
Recoveries	4,536	3,243
Allowance at end of period	(202,655)	(201,176)
Average Total Customer Portfolio Balance			1,495,675			1,551,847
Financing Receivable, Recorded Investment, Past Due			391,500		406,100
Customer Accounts Receivable [Member]
Total Outstanding Balance
Customer Accounts Receivable			1,337,121		1,417,581
Financing Receivable Outstanding Balance 60 Days Past Due			111,963		127,747
Reaged			94,470		111,585
Allowance for uncollectible accounts related to the credit portfolio	(158,992)	(149,226)	(147,649)		(158,992)	(153,550)
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]
Allowance at beginning of period	(158,992)	(149,226)
Provision	92,285	108,333
Principal charge-offs	(92,251)	(91,261)
Interest charge-offs	(14,911)	(15,384)
Recoveries	3,534	2,636
Allowance at end of period	(147,649)	(153,550)
Average Total Customer Portfolio Balance			1,356,569			1,428,396
Restructured Accounts [Member]
Total Outstanding Balance
Customer Accounts Receivable			142,411		138,858
Financing Receivable Outstanding Balance 60 Days Past Due			41,820		38,010
Reaged			142,411		138,858
Allowance for uncollectible accounts related to the credit portfolio	(51,183)	(41,764)	(55,006)		(51,183)	(47,626)
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]
Allowance at beginning of period	(51,183)	(41,764)
Provision	33,208	29,768
Principal charge-offs	(26,159)	(20,969)
Interest charge-offs	(4,228)	(3,544)
Recoveries	1,002	607
Allowance at end of period	(55,006)	$ (47,626)
Average Total Customer Portfolio Balance			139,106			$ 123,451
Variable Interest Entity
Total Outstanding Balance
Customer Accounts Receivable			910,385		1,015,837
Financing Receivable Outstanding Balance 60 Days Past Due			120,385		156,344
Reaged			231,320		238,375
Allowance for uncollectible accounts related to the credit portfolio	(150,435)		(130,103)		(150,435)
Allowances for promotional credit programs			(13,425)		(15,912)
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums			(4,360)		0
Total customer accounts receivable, net			762,497		849,490
Short-term portion of customer accounts receivable, net				$ (581,679)	(529,108)
Long-term customer accounts receivable, net				$ 474,474	320,382
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]
Allowance at beginning of period	(150,435)
Allowance at end of period	$ (130,103)
Consolidated Entity Excluding Variable Interest Entities (VIE) [Member]
Total Outstanding Balance
Customer Accounts Receivable			569,147		540,602
Financing Receivable Outstanding Balance 60 Days Past Due			33,398		9,413
Reaged			$ 5,561		$ 12,068