Configuration, not code
Rules console
Change a rule and the next decision uses it. No deploy. Number fields save when you press Enter or leave the field. Edits stay in this browser only, so nobody else sees them.
Impact on the policy tests
21 of 21 test applicants get their expected decision.
Eligibility rules
Knockouts run first. Failing any rule that is on declines the application before scoring.
Loan amount within program limits
Requested amount must be between the floor and ceiling.
Supported study destination
Applicants must be studying in one of the accepted destinations.
Admission confirmed
Applicant must hold a confirmed admit from an eligible school.
Within enrollment window
Expected graduation must fall inside the configured window. Too far out means income is too distant to underwrite.
Graduate programs only
When on, undergraduate applicants are declined.
Minimum school tier
School must be at or above the configured tier (1 is best).
Decision thresholds
At or above 65: approved. From 50 up to that: a credit analyst decides. Below 50: declined.
Pricing bands
An approved loan gets the best band whose floor its score clears.
| Band | Min score | APR, % |
|---|---|---|
| A Prime | ||
| B Standard | ||
| C Entry |
Scorecard weights
Fixed in this demo. Each factor scores 0 to 1 and is multiplied by its weight.
- School tier25 pts
- Field of study15 pts
- Credit history20 pts
- Income coverage20 pts
- Work experience10 pts
- Country risk10 pts
Country risk keys on citizenship here only to illustrate a scorecard factor. A US lender would need a fair-lending review before using anything tied to national origin, which ECOA and Regulation B restrict.
Partner routing
Approved loans go to the partner that covers the destination. Accept a destination with no partner and approvals there go to review instead.
- US Bank PartnerUS
- Canada Bank PartnerCA
In production this is where volume caps, forward-flow allocations and partner eligibility overlays live.