Finance Charges and Other Revenue (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jul. 31, 2020	Jul. 31, 2019	Jul. 31, 2020	Jul. 31, 2019
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Insurance income	$ 3,385	$ 9,590	$ 8,137	$ 16,904
Other revenues	196	203	431	405
Provisions for uncollectible interest	11,800	14,400	31,900	26,700
Other Income	87,180	94,997	174,010	186,530
Interest income and fees	83,599	85,204	165,442	169,221
Financing Receivable [Member]
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Interest income and fees	$ 10,100	$ 8,600	$ 19,600	$ 16,700