wealthschema
wealthschema/archetypes/sl-03-parent-plus-borrower
SL-03Student LoanAccumulationlow tax complexity

Parent PLUS Borrower

Parent who borrowed Parent PLUS loans for children's education. Limited repayment options, ICR-only IDR eligibility, retirement savings trade-off.

Fintech builders, financial software makers, and compliance teams use the SL-03 — Parent PLUS Borrower archetype across six of WealthSchema's synthetic household data sets to model households matching the Parent PLUS Borrower archetype without exposing real customer PII.

Age Range
45–62
Net Worth
$0–$100k
Cohort
Student Loan

Schema fields covered

Every SL-03 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
income.social_security_benefit
income.pension_annual
income.rmd_schedule
planning.withdrawal_sequence
Income-Driven Repayment EnrolleeMilitary Officer (Career / Retirement)

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Life Stage

Formation
Accumulation
Preservation
Distribution
Transfer