CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jul. 31, 2020	Jul. 31, 2019
Cash flows from operating activities:
Net income (loss)	$ (35,682)	$ 39,483
Adjustments to reconcile net income (loss) to net cash from operating activities:
Depreciation	19,929	17,682
Change in right-of-use asset	15,328	13,763
Amortization of debt issuance costs	4,237	4,210
Provision for bad debts and uncollectible interest	181,286	116,272
Stock-based compensation expense	4,683	6,636
Costs and Impairment Charges Related to Store Closings		(680)
Deferred income taxes	(2,472)	475
Tenant improvement allowances received from landlords	10,277	14,254
Change in operating assets and liabilities:
Customer accounts receivable	63,745	(95,829)
Other accounts receivables	13,068	(17,356)
Inventories	38,863	6,521
Other assets	690	(5,818)
Accounts payable	13,442	763
Accrued expenses	2,485	(7,368)
Operating leases	(20,086)	(626)
Income taxes	(9,578)	(4,810)
Deferred revenues and other credits	1,921	1,872
Net cash provided by operating activities	305,725	89,444
Cash flows from investing activities:
Purchases of property and equipment	(32,459)	(33,330)
Net cash used in investing activities	(32,459)	(33,330)
Cash flows from financing activities:
Proceeds from issuance of asset-backed notes	0	381,790
Payments on asset-backed notes	(315,225)	(234,162)
Borrowings under revolving credit facility	835,717	778,166
Payments on revolving credit facility	(800,917)	(881,166)
Payments on warehouse facility	0	(51,561)
Payments of debt issuance costs and amendment fees	(2,055)	(3,492)
Proceeds from stock issued under employee benefit plans	338	597
Tax payments associated with equity-based compensation transactions	(1,444)	(1,781)
Payments for Repurchase of Common Stock	0	(33,019)
Other	(314)	(641)
Net cash used in financing activities	(283,900)	(45,269)
Net change in cash, cash equivalents and restricted cash	(10,634)	10,845
Cash, cash equivalents and restricted cash, beginning of period	80,855	64,937
Cash, cash equivalents and restricted cash, end of period	70,221	75,782
Non-cash investing and financing activities:
Right-of-use assets obtained in exchange for new finance lease liabilities	1,045	968
Right-of-use assets obtained in exchange for new operating lease liabilities	47,950	53,974
Property and equipment purchases not yet paid	11,662	14,241
Share Repurchase Payable	0	1,325
Supplemental cash flow data:
Cash interest paid	23,976	21,559
Cash income taxes paid (refunded), net	$ (1,026)	$ 16,859