How are disbursements timed?

The loan agreement specifies the disbursement schedule - typically one payment per academic term (Fall, Spring, Summer). Each disbursement is triggered by an enrollment verification from the institution's API or a manual certification by the financial aid office. Funds are wired directly to the institution's account.

What is income-driven repayment?

Under IDR, the monthly payment is calculated as a percentage of the borrower's discretionary income (typically 10–15%). The borrower submits income documentation annually. If income increases, the payment increases; if income drops, the payment drops. Any remaining balance after 20–25 years may be forgiven under qualifying programs.

How is delinquency managed?

A loan is delinquent when a payment is missed. At 30 days past due, an automated reminder sequence starts (email + SMS). At 60 days, a servicer agent is assigned for outreach. At 90 days, the loan is flagged for collections review. The servicer can offer a repayment plan, forbearance, or initiate the default process per the loan agreement.

Finance & Banking

Build a Student Loan Management Platform with AI - in Hours

ProjectCode generates a complete, production-ready Student Loan Management Platform from a single natural language prompt. In hours instead of months, you get a React frontend, NestJS REST API, PostgreSQL database, and authentication - fully integrated, live-previewed, and deployed to a URL you own.

Estimated build time: 2–4 hours

Build my Student Loan now View pricing

Free to start · No credit card required

The Challenge

Why building a Student Loan from scratch is hard

Building a Student Loan Management Platform from scratch requires months of development time and significant engineering resources. Teams struggle to coordinate frontend, backend, database, and authentication while managing student loan-specific business logic, integrations, and role-based access rules.

What's Included

Everything your Student Loan needs

ProjectCode generates a production-ready Student Loan with all the modules your team needs from day one.

Loan application and eligibility assessment

Cosigner management and verification

Disbursement tracking linked to academic terms

Repayment schedule with income-based options

Deferment and forbearance request management

Grace period and interest capitalization tracking

Servicer portal for collections and communications

Analytics: default rates, repayment performance, portfolio risk

Architecture

How it's built

The generated Student Loan follows production-grade architecture patterns.

React 18 + TypeScript frontend with role-based dashboards tailored for student loan workflows

NestJS REST API with dedicated student loan modules, DTOs, validators, and service layer

PostgreSQL relational schema with normalized tables for all student loan entities

JWT + Google OAuth authentication with granular permission gates per role

Real-time Socket.IO events for live student loan status updates and notifications

Managed hosting with one-click deploy, custom domain, and auto-SSL

Database

PostgreSQL schema designed for Student Loan

ProjectCode generates a normalized, indexed PostgreSQL schema with the right tables and relationships for your use case. You own the schema and can evolve it freely.

loan_applications (id, student_id, institution_id, program, amount_requested, cosigner_id, status, credit_score, dti_ratio, decision_at, workspace_id)
loans (id, application_id, amount_approved, interest_rate, term_months, disbursement_schedule jsonb, first_payment_date, status)
repayments (id, loan_id, due_date, amount_due, principal, interest, paid_at, paid_amount, method, late_fee)
deferments (id, loan_id, type, reason, approved_at, start_date, end_date, interest_accrual_policy)

schema.sql (preview)

-- Generated by ProjectCode
-- Student Loan Management Platform schema

CREATE TABLE loan_applications__id (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  created_at TIMESTAMPTZ DEFAULT NOW(),
  updated_at TIMESTAMPTZ DEFAULT NOW()
  -- ... auto-generated columns
);

CREATE TABLE loans__id (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  created_at TIMESTAMPTZ DEFAULT NOW(),
  updated_at TIMESTAMPTZ DEFAULT NOW()
  -- ... auto-generated columns
);

CREATE TABLE repayments__id (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  created_at TIMESTAMPTZ DEFAULT NOW(),
  updated_at TIMESTAMPTZ DEFAULT NOW()
  -- ... auto-generated columns
);

CREATE TABLE deferments__id (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  created_at TIMESTAMPTZ DEFAULT NOW(),
  updated_at TIMESTAMPTZ DEFAULT NOW()
  -- ... auto-generated columns
);

Tech Stack

Production-ready from day one

Every generated app uses a battle-tested stack you can deploy anywhere and own completely.

Frontend

React 18 + TypeScript + Tailwind CSS

Backend

NestJS 10 + Node.js + TypeScript

Database

PostgreSQL (managed or Supabase)

Auth

Email OTP · Google OAuth · GitHub OAuth

Deployment

Managed hosting · Custom domain · Auto-SSL

AI Models

Claude Sonnet · Claude Opus · Kimi

Try It Now

Example prompt to get started

Copy this prompt into ProjectCode and get a working app in minutes.

ProjectCode prompt

Build a student loan management platform for a fintech company offering private student loans in partnership with 200 universities. Include a student loan application portal with income, enrollment, and academic record verification, cosigner application and credit evaluation, term-based disbursement scheduling (funds released each semester upon enrollment confirmation), repayment schedule generation with standard and income-driven repayment options, deferment and forbearance request workflows with 30-day review SLA, automated payment reminders and ACH debit, loan servicer dashboard with delinquency tracking and communication log, and a portfolio analytics dashboard showing default rates, repayment performance, and weighted average interest rate.

Build this now - it's free

Deployment

Deploy your Student Loan anywhere

Managed hosting

One-click deploy to a live URL managed by ProjectCode.

Custom domain

Connect your own domain with auto-provisioned SSL via Cloudflare.

GitHub export

Push to your GitHub repo and self-host or deploy via Vercel, Railway, or AWS.

Docker ready

Export a Dockerfile and docker-compose for any containerized environment.

Pricing

Start free, scale as you grow

No per-seat fees. No vendor lock-in. Token-based pricing that scales with your usage.

Free

Start building your first app. Live preview, managed hosting, and full code export included.

Token Packs

From $5

Purchase token packs that roll over every month. Build more, pay only for what you use.

Enterprise

Custom

Custom models, SLA, SSO, and private cloud deployment for large teams.

See full pricing details

FAQ

Common questions about building a Student Loan

Eligibility checks: enrollment at a partner institution, enrollment status (full-time/half-time), minimum credit score (or cosigner qualifying), debt-to-income ratio, and program of study. Credit bureau data is pulled via Experian or Equifax API. The decision engine applies the lending policy rules and outputs an approved amount and interest rate tier.

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Build your Student Loan in hours, not months

Start free. No credit card. Your first app is live in minutes.

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