Live demo, rules-based credit decisioning
Decide a student loan in milliseconds, and see exactly why.
Move any input and the decision updates as you go. Each result shows the rules it checked, the score behind it, and what would change it.
Try a sample applicant
Dot color is each sample's outcome under the active policy.
Tier 3 school, other field, $15K income for a $60K loan
Applicant
All amounts in US dollars.
Loan
This policy lends $5,000 to $100,000.
Program
Applicant
Enter 0 if there is none.
Decision
Live54.6/ 100
Score is between the review line (50) and the approval line (65), so a credit analyst decides.
Score 54.6 out of 100. Declined below 50, review from 50, approved from 65.
- School tier10.0 / 25
- Field of study8.3 / 15
- Credit history20.0 / 20
- Income coverage3.3 / 20
- Work experience6.0 / 10
- Country risk7.0 / 10
What would change this
Borrowing $14,000 instead would score 65.5 and be approved in band C at 13.49% APR, with every other input the same.
The largest round amount that gets approved, found by re-running the engine.
Decision trace, 16 steps
- intakeApplication received: the United States, Master's in another field, amount $60,000
- eligibilityPass: Loan amount within program limits
- eligibilityPass: Supported study destination
- eligibilityPass: Admission confirmed
- eligibilityPass: Within enrollment window
- eligibilitySkipped, rule off: Graduate programs only
- eligibilityPass: Minimum school tier
- scorecardSchool tier: 10.0 / 25
- scorecardField of study: 8.3 / 15
- scorecardCredit history: 20.0 / 20
- scorecardIncome coverage: 3.3 / 20
- scorecardWork experience: 6.0 / 10
- scorecardCountry risk: 7.0 / 10
- scorecardTotal score: 54.6 / 100
- decisionScore 54.6 against approve at 65 and review at 50: Sent to review
- completeDecision rendered