PortfolioLoan

A PortfolioLoan is a rich object that describes a borrower's student loan portfolio in more accurate detail than ever. For v1.0.1, we're releasing an early preview of loan aggregation data, and we will continue to enrich the PortfolioLoan data in upcoming releases.

Schema Definition

Property	Type	Format	Description
`account_number`	`string`		The borrower's account number for a `PortfolioLoan`, if known.
`created_at`	`string`	`date-time`	A `DateTime` string indicating when this `Loan` was created.
`disbursement_dates`	`array`	`type: string` `format: date`	An array of dates on which funds were disbursed to a `Borrower`.
`id`	`string`	`uuid`	A unique UUID identifier for this `PortfolioLoan`.
`interest_rate`	`object`	`InterestRate`	An object that describes a loan's interest rate.
`monthly_payment`	`object`	`MonthlyPayment`	An object describing all known details about a loan's monthly payment.
`origination`	`object`	`Origination`	An object that describes the details of a loan's origination.
`outstanding_interest`	`string`	`decimal`	Total unpaid interest. NOTE: As of `v1.0.1`, all `float` values are returned as decimal strings with 2-digit precision.
`outstanding_principal`	`string`	`decimal`	Total unpaid principal. NOTE: As of `v1.0.1`, all `float` values are returned as decimal strings with 2-digit precision.
`payment_group_id`	`string` or `null`	`uuid`	A unique UUID identifying the `PaymentGroup` this `PortfolioLoan` belongs to, if any. NOTE: Defaults to `null`. If present, you will find `PaymentGroup` details in the `payment_groups` property of this `PortfolioLoan`'s servicer.
`payment_reference_number`	`string` or `null`		The account number needed to direct payments to the group that this loan belongs to.
`payoff`	`object`	`Payoff`	An object providing a payoff amount and when it expires.
`pslf`	`object`	`PSLF`	An object describing any Public Servicer Loan Forgiveness contributions.
`repayment_plan`	`object`	`PortfolioRepaymentPlan`	An object describing the loan's Repayment Plan.
`servicer`	`object`	`Servicer`	An object describing the financial institution that services the loan, to whom a `Borrower` makes monthly payments.
`status`	`object`	`LoanStatus`	An object describing a loan's official status.
`type`	`object`	`LoanType`	An object describing a loan's official type.
`updated_at`	`string`	`date-time`	A `DateTime` string indicating when this `PortfolioLoan` was last updated.

Example

{
  "account_number": "928374299",
  "created_at": "2021-03-03T17:01:24.108424Z",
  "disbursement_dates": [
    "2020-03-09"
  ],,
  "id": "df6a5264-1081-4494-bf04-ee4139ad82d3",
  "interest_rate": {
    "effective": "3.54",
    "original": "3.54"
  },
  "monthly_payment": {
    "scheduled_amount": "427.96"
  },
  "origination": {
    "amount": "8575.99",
    "date": "2022-02-09"
  },
  "outstanding_interest": "834.99",
  "outstanding_principal": "696.19",
  "payment_group_id": "f7498357-844d-4d0e-a0e9-573003cada13",
  "payment_reference_number": null,
  "payoff": {
    "quote": 9057.05,
    "quote_date": "05/28/2021"
  },
  "pslf": {
    "eligible_payments": 78,
    "expected_forgiveness_date": "2025-06-01",
    "ineligible_payment_details": [
      {
        "denial_reason": "You Do Not Have A Bill Due For This Payment Period",
        "description": "In order for a payment to qualify, it must have been a payment you were required to make.\nYou were not required to make any payments during the following periods:\nIn your grace period\nIn a deferment \nIn a forbearance",
        "period": "04/2019"
      }
    ],
    "ineligible_payments": 1,
    "non_qualifying_payment_details": [
      {
        "description": "This payment period is eligible but requires approved employment in order to qualify.",
        "period": "05/2021",
        "status": "Employment Not Certified"
      },
      {
        "description": "This payment period is eligible but requires approved employment in order to qualify.",
        "period": "04/2021",
        "status": "Employment Not Certified"
      }
    ],
    "non_qualifying_payments": 2,
    "qualifying_payments": 76,
    "remaining_payments": 51
  },
  "repayment_plan": {
    "description": "Pay As You Earn Repayment Plan",
    "income_driven_repayment": true,
    "type": "paye"
  },
  "servicer": {
    "address": {
          "street1": "123 Main St",
          "street2": "Suite 501",
          "street3": null,
          "city": "Poughkeepsie",
          "state": "NY",
          "zipcode": "12345-6789"
    },
    "name": "Great Lakes"
  },
  "status": {
    "code": "FB",
    "description": "Forbearance"
  },
  "type": {
    "code": "D2",
    "description": "Direct Stafford Unsubsidized Loan",
    "federal": true,
    "guarantor": "Department of Education",
    "lender": "Department of Education",
    "subsidized": false,
    "sula_eligible": false
  },
  "updated_at": "2021-03-03T17:01:24.108424Z"
}