CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Oct. 31, 2020	Oct. 31, 2019
Cash flows from operating activities:
Net income (loss)	$ (28,263)	$ 50,952
Adjustments to reconcile net income (loss) to net cash from operating activities:
Depreciation	30,506	27,171
Change in right-of-use asset	21,926	20,588
Amortization of debt issuance costs	6,388	6,410
Provision for bad debts and uncollectible interest	225,713	179,150
Stock-based compensation expense	6,988	9,852
Professional Fees, Charges and Credits	3,589	0
Costs and Impairment Charges Related to Store Closings		3,142
Deferred income taxes	(3,954)	2,846
Gain (Loss) on Disposition of Property Plant Equipment	198	68
Tenant improvement allowances received from landlords	15,137	19,685
Change in operating assets and liabilities:
Customer accounts receivable	79,357	(162,075)
Other accounts receivables	11,918	(3,138)
Inventories	3,595	(27,581)
Other assets	(342)	(7,994)
Accounts payable	23,423	14,313
Accrued expenses	24,666	(8,823)
Operating leases	(29,151)	(24,703)
Income taxes	(4,370)	(7,656)
Deferred revenues and other credits	(1,862)	322
Net cash provided by operating activities	385,462	92,529
Cash flows from investing activities:
Purchases of property and equipment	(46,644)	(48,324)
Proceeds from Sale of Property, Plant, and Equipment	0	724
Net cash used in investing activities	(46,644)	(47,600)
Cash flows from financing activities:
Proceeds from issuance of asset-backed notes	240,100	381,790
Payments on asset-backed notes	(438,523)	(351,424)
Borrowings under revolving credit facility	1,143,311	1,247,195
Payments on revolving credit facility	(1,172,411)	(1,215,395)
Payments on warehouse facility	0	(53,635)
Payments of debt issuance costs and amendment fees	(4,570)	(3,416)
Proceeds from stock issued under employee benefit plans	533	835
Tax payments associated with equity-based compensation transactions	(1,477)	(2,009)
Payments for Repurchase of Common Stock	0	(59,071)
Other	(440)	(817)
Net cash used in financing activities	(233,477)	(55,947)
Net change in cash, cash equivalents and restricted cash	105,341	(11,018)
Cash, cash equivalents and restricted cash, beginning of period	80,855	64,937
Cash, cash equivalents and restricted cash, end of period	186,196	53,919
Supplemental cash flow data:
Right-of-use assets obtained in exchange for new finance lease liabilities	1,045	1,110
Right-of-use assets obtained in exchange for new operating lease liabilities	65,958	56,743
Property and equipment purchases not yet paid	7,023	8,558
Cash interest paid	28,803	33,496
Cash income taxes paid (refunded), net	$ 394	$ 17,119