SEGMENT INFORMATION (Tables)

12 Months Ended

Dec. 31, 2013

Segment Reporting [Abstract]

Summary of information by segment and reconciliations to Adjusted EBITDA and income (loss) before taxes

Summarized information by segment and reconciliations to Adjusted EBITDA and income (loss) before income taxes is as follows (in thousands):

	Year Ended December 31, 2013
	Lending		Other			Corporate			Total
Revenue	$	127,985	$	10,632		$	623		$	139,240
Costs and expenses:
Cost of revenue (exclusive of depreciation shown separately below)	5,469		613			460			6,542
Selling and marketing expense	83,694		7,449			(22		)	91,121
General and administrative expense	3,629		2,245			18,784			24,658
Product development	4,302		962			—			5,264
Depreciation	1,453		1,642			406			3,501
Amortization of intangibles	—		147			—			147
Restructuring and severance	78		46			35			159
Litigation settlements and contingencies	—		31			8,924			8,955
Total costs and expenses	98,625		13,135			28,587			140,347
Operating income (loss)	29,360		(2,503		)	(27,964		)	(1,107		)
Adjustments to reconcile to Adjusted EBITDA:
Amortization of intangibles	—		147			—			147
Depreciation	1,453		1,642			406			3,501
Restructuring and severance	78		46			35			159
Loss on disposal of assets	—		—			165			165
Non-cash compensation	1,681		689			3,257			5,627
Discretionary cash bonus	—		—			920			920
Trust contribution	—		—			350			350
Litigation settlements and contingencies	—		31			8,924			8,955
Adjusted EBITDA	$	32,572	$	52		$	(13,907	)	$	18,717
Operating income (loss)									$	(1,107	)
Interest expense									(19		)
Income (loss) before income taxes									$	(1,126	)

	Year Ended December 31, 2012
	Lending		Other			Corporate			Total
Revenue	$	61,176	$	14,620		$	1,647		$	77,443
Costs and expenses:
Cost of revenue (exclusive of depreciation shown separately below)	3,238		536			521			4,295
Selling and marketing expense	35,250		13,677			7			48,934
General and administrative expense	3,470		2,888			15,873			22,231
Product development	2,277		1,258			(6		)	3,529
Depreciation	1,536		1,991			578			4,105
Amortization of intangibles	—		358			—			358
Restructuring and severance	20		11			(88		)	(57		)
Litigation settlements and contingencies	—		—			(3,101		)	(3,101		)
Total costs and expenses	45,791		20,719			13,784			80,294
Operating income (loss)	15,385		(6,099		)	(12,137		)	(2,851		)
Adjustments to reconcile to Adjusted EBITDA:
Amortization of intangibles	—		358			—			358
Depreciation	1,536		1,991			578			4,105
Restructuring and severance	20		11			(88		)	(57		)
Loss on disposal of assets	388		345			5			738
Non-cash compensation	987		507			3,093			4,587
Litigation settlements and contingencies	—		—			(3,101		)	(3,101		)
Adjusted EBITDA	$	18,316	$	(2,887	)	$	(11,650	)	$	3,779
Operating income (loss)									$	(2,851	)
Interest expense									(881		)
Income (loss) before income taxes									$	(3,732	)