CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited) - USD ($) $ in Thousands	9 Months Ended
	Oct. 31, 2017	Oct. 31, 2016
Cash flows from operating activities:
Net income (loss)	$ 3,262	$ (25,488)
Adjustments to reconcile net income (loss) to net cash from operating activities:
Depreciation	23,138	21,209
Loss from retirement of leasehold improvement	0	1,980
Amortization of debt issuance costs	11,088	19,164
Provision for bad debts and uncollectible interest	192,354	200,349
Loss on extinguishment of debt	2,907	0
Stock-based compensation expense	5,899	3,928
Charges, net of credits, for store and facility closures	428	954
Deferred income taxes	(1,112)	3,309
Loss (gain) on sale/write-off of fixed assets	5,636	(259)
Tenant improvement allowances received from landlords	5,072	23,674
Change in operating assets and liabilities:
Customer accounts receivable	(126,654)	(131,943)
Other accounts receivable	5,641	13,281
Inventories	(70,623)	(2,568)
Other assets	(964)	(1,483)
Accounts payable	8,186	32,342
Accrued expenses	21,371	11,542
Income taxes	151	(355)
Deferred rent, revenues and other credits	(4,971)	10,409
Net cash provided by operating activities	82,737	183,011
Cash flows from investing activities:
Purchase of property and equipment	(11,995)	(41,804)
Proceeds from sale of property	0	686
Net cash used in investing activities	(11,995)	(41,118)
Cash flows from financing activities:
Proceeds from issuance of asset-backed notes	469,814	1,067,850
Payments on asset-backed notes	(816,243)	(736,266)
Changes in restricted cash balances	39,599	(87,900)
Borrowings from revolving credit facility	1,257,052	529,352
Payments on revolving credit facility	(1,082,552)	(858,559)
Payment of debt issuance costs and amendment fees	(8,172)	(9,775)
Borrowings on warehouse facility	79,940	0
Payments on warehouse facility	(23,066)	0
Proceeds from stock issued under employee benefit plans	3,011	824
Other	(949)	(608)
Net cash used in financing activities	(81,566)	(95,082)
Net change in cash and cash equivalents	(10,824)	46,811
Cash and cash equivalents, beginning of period	23,566	12,254
Cash and cash equivalents, end of period	12,742	59,065
Capital lease asset additions and related obligations	3,196	0
Property and equipment purchases not yet paid	1,021	1,805
Cash interest paid	44,561	53,074
Cash income taxes paid (refunded), net	$ 2,878	$ (15,624)