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Aggregation

Payitoff has developed proprietary technology that directly connects borrowers to servicers, enabling a new level of data fidelity and student loan functionality. Our Aggregation feature exposes the rich dataset of your users' student loans in a format that's standardized and consistent across all federal loan servicers. We do all the hard work of digesting the discrepancies and filling in COVID-related corrigenda to give you the cleanest, most accurate student loan data on the market.

How Does It Work?

Our platform uses a variety of sophisticated approaches to data gathering and builds on our deep knowledge of the student loan landscape to deliver the highest quality data. Other aggregators lack the domain knowledge to source key factors so they send you whatever they get - garbage in, garbage out.

For instance, we can tell you what a loan's actual interest rate is outside of the COVID forbearance period (hint: it's not zero!)

How Do I Use It?

Aggregation is used in two steps:

  1. Link borrowers to their servicer(s)
  2. Fetch their loan portfolio data

To initiate the Aggregation lifecycle, you must first link your users to their servicers. This is accomplished with the linkServicers workflow of our Nexus widget, so head over to the Link Servicers documentation for details. You display the widget to your users, they enter their credentials for each of their servicers, and we initiate the connection. Once Nexus exits successfully, this step is done. Yay!

After linking servicers, you can then fetch their loan data from our API. Aggregated loans are available at our Get Portfolio endpoint. This endpoint will return the loans from a borrower's entire portfolio, across all of their servicers. You can also read more about the Portfolios.

How Often Does the Data Refresh?

Once a user is connected to their servicers, their loan data is updated daily to give you the freshest data. Just hit our Get Portfolio endpoint for the latest snapshot.

Which Servicers do you Support?

We currently support over 90% of federal student loans via Fedloan, Nelnet, Navient, and Great Lakes.

Updated 15 days ago


Aggregation


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