Borrower is a person who has one or more federal student loans.
Borrowers can be created with very little data. We recommend always supplying a
last_name when you create a
Borrower, if only so you'll be able to tell your
Borrowers apart when you're integrating our API and Nexus into your products and workflows.
For historical reasons, the request payload required when creating and updating a
Borrowervia our v1 API has a different shape than the response object. Thus, you must use a
BorrowerPayloadfor your API request payloads, and expect a
Borrowerobject as the response.
This discrepancy will be corrected in API v2.
To perform an Assessment for a
Borrower, the minimum required fields you should supply in your
BorrowerPayload are as follows:
agi— their Adjusted Gross IncomeAdjusted Gross Income - An individual's total gross income minus any specific deductions to which they are entitled or elect.
filing_status— their Tax Filing StatusTax Filing Status - The filing status an individual selects when submitting their taxes. Allowed values are: single, married_filing_jointly, married_filing_separately, and head_of_household. When not provided, single will be the default value.
family_size— the Family SizeFamily Size - Number of family members, including the Borrower, their spouse, their children (even unborn), and any other dependents who receive more than half of their support from the Borrower. claimed on their taxes
state_of_residence— the state in which they reside
For testing purposes and initial integration guidance, these 4 fields, along with
last_name will be sufficient. However, we recommend providing as much information as possible in a production environment. Certain actions, like Enrollments, require more data about the
Borrower, and providing that information up front can save you—and your
Borrowers—time, eliminating slower and awkward experiences by minimizing the API calls you must make.
A qualifying employer is necessary to determine PSLF eligibility and track PSLF-eligible payments. You can use the PSLF Employer Search API endpoint to check if
Borrower employers qualify for PSLF eligibility.
All SSNs submitted via API—and collected by Nexus—are encrypted and stored securely. For security purposes and the protection of your
Borrower, SSN values are not returned in
Borrower response objects.
If you would like a
Borrower spouse and
spouse_agi to be considered in Assessment operations, you must update your
Borrower with a
When creating or updating a
Borrower and providing a
filing_status must not be
single, otherwise our system will ignore the
spouse_agi when performing certain operations for which
spouse_agi is important and otherwise considered.
IncomeCertifications via API, please note that the parameter is singular in the request body and requires a
IncomeCertificationPayload payload, but plural in the
Borrower response object and returns an
IncomeCertification object . We currently support uploading only a single
IncomeCertification at a time. If multiple
IncomeCertifications are uploaded over subsequent requests, we will only use the most recent one.
We will support a future case where multiple
IncomeCertifications may be uploaded, and a subset chosen by the
Borrower as the documentation to submit with an Enrollment Request. Thus, to avoid future API changes, the
Borrower response object returns
income_certifications as an
For historical reasons,
FinancialDetails are returned as a nested object under the
financial_details property. Future versions of the API will resolve this discrepancy.
Updated 2 months ago