wealthschema/archetypes/sl-02-income-driven-repayment-enrollee
SL-02Student LoanFormationlow tax complexity

Income-Driven Repayment Enrollee

Borrower on SAVE/IBR/PAYE plan with high debt-to-income ratio, negative amortization risk, 20–25 year forgiveness horizon, and potential tax bomb.

SL-02 — Income-Driven Repayment Enrollee is one of 71 archetypes shipped in WealthSchema's synthetic household data sets. It appears in six data bundles spanning compliance & audit, client segments, and tax planning, and is used by fintech builders, financial software makers, and compliance teams to test workflows on realistic formation-phase households without touching real customer data.

Age Range
25–40
Net Worth
$0–$100k
Cohort
Student Loan

Schema fields covered

Every SL-02 household ships with — at minimum — these JSON fields populated. The full schema is documented in the data set you purchase.

members[].age
income.combined_gross
net_worth.total
filing_status
longitudinal.monthly[].net_cash_flow
longitudinal.monthly[].savings_rate
stress.scenarios[]
liquidity.months_of_expenses

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Life Stage

Formation
Accumulation
Preservation
Distribution
Transfer