CONSOLIDATED STATEMENTS OF OPERATIONS (unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Oct. 31, 2017	Oct. 31, 2016	Oct. 31, 2017	Oct. 31, 2016
Revenues:
Product sales	$ 263,786	$ 278,056	$ 774,741	$ 864,269
Repair service agreement commissions	24,488	26,354	72,703	82,849
Service revenues	3,534	3,623	10,062	11,456
Total net sales	291,808	308,033	857,506	958,574
Finance charges and other revenues	81,364	68,740	238,139	205,469
Total revenues	373,172	376,773	1,095,645	1,164,043
Costs and expenses:
Cost of goods sold	175,591	192,374	519,847	605,709
Selling, general and administrative expenses	114,355	114,457	332,524	347,550
Provision for bad debts	56,512	51,564	161,891	169,978
Charges and credits	5,861	1,987	11,156	5,408
Total costs and expenses	352,319	360,382	1,025,418	1,128,645
Operating income	20,853	16,391	70,227	35,398
Interest expense	18,095	23,470	62,142	73,504
Loss on extinguishment of debt	461	0	2,907	0
Income (loss) before income taxes	2,297	(7,079)	5,178	(38,106)
Provision (benefit) for income taxes	728	(3,264)	1,916	(12,618)
Net income (loss)	$ 1,569	$ (3,815)	$ 3,262	$ (25,488)
Income (loss) per share:
Basic (in dollars per share)	$ 0.05	$ (0.12)	$ 0.10	$ (0.83)
Diluted (in dollars per share)	$ 0.05	$ (0.12)	$ 0.10	$ (0.83)
Weighted average common shares outstanding:
Basic (in shares)	31,292,913	30,816,319	31,121,177	30,736,636
Diluted (in shares)	31,764,594	30,816,319	31,457,420	30,736,636