Physician or dentist in early career, high student debt ($200k–$400k), high income, PSLF eligible if hospital-employed.
A-05 is the early-career physician or dentist three to seven years out of training: $200k–$400k of remaining education debt, PSLF-eligibility depending on employer, mandatory occupation-specific own-occupation disability coverage, and the malpractice-tail-coverage question that breaks default insurance need-analysis.
A-05 captures the post-residency or post-dental-school household in early-career practice. The defining technical surface is the interaction between a high but lagging income trajectory and an outsized debt load: every one of the 25 corpus households carries both student loans and credit cards. Median income of $137,140 looks affluent at first glance but sits against typical professional-school debt of $200k–$400k where federal loans are typically on income-driven repayment plans (PAYE, REPAYE/SAVE, or IBR) for borrowers pursuing §401(o)/§108(f)(1) Public Service Loan Forgiveness through nonprofit hospital employment. The PSLF determination is binary on employer type — hospital-employed (often 501(c)(3)) qualifies; private-practice partnership does not — and that single classification swings the optimal repayment strategy by hundreds of thousands of dollars over a 10-year horizon. Behind the loan surface sits the malpractice-coverage requirement (occurrence vs claims-made with tail-coverage cost), the own-occupation disability-insurance need (true 'own-occ' policies that pay if you cannot practice your specialty even if you can work in a different field), and §401(k) versus §403(b) versus §457(b) plan availability that differs by employer type.
Cash-flow shape shows the late-starting wealth trajectory: median liquid net worth $111,930 against median income $137,140 (a savings position well below what the income alone would suggest, reflecting recent residency-low-income years and active student-loan repayment). 16 of 25 households are homeowners with mortgages — many are 'doctor loan' products that ignore student-loan IDR payments in DTI calculation, which is a specific underwriting-program testing surface. 5 of 25 households sit in negative-net-worth territory despite affluent income, modelling the early-career physician whose student-loan principal still exceeds accumulated retirement and home-equity balances.
A-05 is distinct from neighbouring archetypes because of the high-income-with-high-debt combination and the PSLF-or-not bifurcation. F-01 (New Graduate Tech Worker) has similar age but materially different debt-to-income shape and no PSLF surface. A-06 (Tech Employee with Equity) has similar income but equity-comp tax surface rather than debt surface. SB-02 (Solo Practitioner) is the older, established version once the practitioner has bought into or built a private practice. SL-01 (PSLF Candidate) overlaps the PSLF-eligible subset of A-05 specifically — the corpus models the medical/dental-specific manifestation of the broader PSLF profile.
Aggregated across the 25 A-05 households in the shipped v3 corpus corpus. Numbers describe the corpus, not population claims.
Brandon is the canonical A-05 fixture: a Riverside Health System employee carrying a $343k student-loan balance — the only liability on the household other than a $1.6k credit-card line — against $159k of combined income with a manufacturing-employed spouse and two dependents (13 and 2). Total liabilities of $345k are essentially the student loan, which is what the archetype is supposed to demonstrate, and the 501(c)(3) hospital employer is the PSLF-eligibility signal that makes the repayment-plan choice load-bearing. Off track on all three goals (home purchase, education funding, and a $3.03M retirement target with only $264k accumulated) — the diagnostic stress signal is that an affluent household with $362k of liquid assets still cannot outrun a single training-debt balance equal to two years of gross income. The PSLF-vs-private-refinance break-even calculation is the exact decision this seed forces.
Every A-05 household ships with — at minimum — these JSON fields populated. The full schema is documented in the data set you purchase.
Three buyer profiles draw on A-05 most heavily. Specialty-bank and physician-loan platforms use the corpus for the DTI underwriting flow that excludes IDR student-loan payments, the no-PMI-no-down-payment doctor-loan structure, and the refinance-vs-PSLF decision UX. Physician-focused disability and malpractice insurance brokers use A-05 for the canonical own-occupation specialty-protected need-analysis and the occurrence-vs-claims-made tail-coverage decision. Student-loan-refinance and PSLF-tracking platforms (including PSLF-Help-Tool integrations) use A-05 for the PSLF-vs-refinance break-even calculation and the recertification UX.
A-05 is the early-career healthcare professional with substantial training-debt overhang. Older established physicians and dentists with debt paid off, practice ownership, and material balance-sheet accumulation belong in P-03 (Dual High-Income Professionals) or SB-02 (Solo Practitioner — Professional Services) depending on practice structure. The PSLF-eligible subset of A-05 overlaps SL-01 (PSLF Candidate — Nonprofit / Government) — use SL-01 when the testing surface is the broader PSLF mechanic (teacher, government attorney, nonprofit administrator) rather than the medical-specific layered concerns. Resident-stage physicians still in training with $50k–$70k income are not modelled in this corpus; A-05 picks up post-training. Nurse practitioners, physician assistants, and pharmacists are not in this corpus either — the income and debt profile differs enough to warrant a separate calibration. Finally, A-05 does not stress practice-purchase or partnership-buy-in financing as primary features.
Income and debt-balance distributions during v3 synthesis referenced AAMC (Association of American Medical Colleges) graduating-debt surveys, ADA (American Dental Association) practice-economics tabulations, and BLS Occupational Employment Statistics for physician and dentist roles by specialty and region. Repayment-plan choice prevalence referenced public DOE NSLDS aggregate statistics on IDR enrollment rates. Geographic concentration in CA, MA, and NY reflects the empirical distribution of academic-medical-center and large hospital-system employment rather than a uniform-state assumption. Per CLAUDE.md §9 the v3 corpus is frozen; these notes describe priors applied at synthesis rather than a reproducible regeneration path.
SL-01 is the broader PSLF Candidate archetype (teachers, government attorneys, nonprofit administrators, healthcare). Reach for SL-01 when the PSLF mechanic itself is the testing surface, independent of the medical-specific malpractice and disability layers.
SB-02 is the older, established solo practitioner with practice ownership and material balance-sheet accumulation. A-05 is the early-career, pre-practice-ownership stage with active training-debt overhang.
A-06 is the early-career tech employee with equity comp. Similar age, similar combined-income range, but the tax surface (AMT, ISO, RSU vesting) differs entirely from A-05's debt-and-PSLF surface.
P-03 is the older dual-high-income professional couple (often a physician married to another high-earner) with debt paid off and material taxable-brokerage balances. A-05 is the precursor before debt is paid down.
A-05 — Healthcare Professional (Early Career) models the early-career physician or dentist three to seven years post-training: median income $137k, $200k–$400k of remaining education debt typically on income-driven repayment, PSLF-eligible if hospital-employed, with own-occupation disability and malpractice coverage as the modal insurance product additions.
Yes. The PSLF-eligible subset is calibrated to hospital and academic-medical-center employment (typically 501(c)(3)); the non-PSLF subset reflects private-practice and physician-partnership employment. The corpus is the right fixture for the PSLF-vs-private-refinance break-even calculation that depends on this binary.
SL-01 covers the broader PSLF Candidate population — teachers, government attorneys, nonprofit administrators, plus healthcare workers. A-05 is specifically the early-career medical or dental professional with the layered concerns of own-occupation disability, malpractice tail coverage, and the §401(k)/§403(b)/§457(b) coordination at hospital employment. They overlap on the PSLF mechanic but A-05 carries additional specialty-specific testing surface.
16 of 25 corpus households are homeowners — higher than the national rate for this age band — because the physician-mortgage / doctor-loan underwriting product specifically excludes IDR student-loan payments from DTI calculation and offers no-PMI no-down-payment terms. The corpus is calibrated to reflect the empirical reality that physicians buy homes earlier than their DTI would suggest, via specialty lending products.
Yes. True own-occ specialty-protected disability is the modal product addition for A-05 — generic group LTD typically does not meet the need because it stops paying if the insured can work in a different field. The corpus is the right fixture for testing need-analysis tooling that has to differentiate own-occ from any-occ definitions.
No. The shipped v3 A-05 corpus is frozen as of the corpus drift confirmation on 2026-05-09. Sampler improvements land in a future v4 release; the current 25 households are not reproducible from current code.
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