Finance Charges and Other Revenue (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Oct. 31, 2020	Oct. 31, 2019	Oct. 31, 2020	Oct. 31, 2019
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Insurance income	$ 4,222	$ 9,905	$ 12,359	$ 26,809
Other revenues	168	197	599	602
Provisions for uncollectible interest	16,900	16,800	48,800	43,400
Other Income	74,386	96,005	248,396	282,535
Interest income and fees	69,996	85,903	235,438	255,124
Financing Receivable [Member]
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Interest income and fees	$ 9,300	$ 9,000	$ 28,800	$ 25,700