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Student lending files are short, but the numbers inside them are easy to get wrong: the payment printed on a statement often reflects an income-driven or deferred plan, not the obligation that belongs in a debt-to-income calculation.
Trusted by financial institutions across banking, lending & credit
The Document Burden
Student lending runs on two document types, and both are linked below with the fields Uptiq pulls from them.
Student lending carries a narrow document set and one persistent measurement problem. The Student Loan record gives servicer, outstanding principal balance, and interest rate, but the payment shown on it may be an income-driven amount, a graduated amount, or zero during deferment or forbearance — none of which is the payment a lender should qualify on.
Paystubs are the other half of the file, and they carry a version of the same issue: a recent graduate has a short pay history, so gross pay for the period and pay frequency have to be annualized rather than read off a single stub as a monthly figure.
Documents We Process
Every document below has a dedicated extraction page. This list is generated from Uptiq's Document AI registry, not hand-picked.
| Document | What Uptiq extracts |
|---|---|
| Paystubs | Extracts Employer Name, Gross Pay (Period), Pay Frequency + 3 more fields |
| Student Loan | Extracts Servicer, Outstanding Principal Balance, Interest Rate + 5 more fields |
How It Works
Applicants and cosigners submit statements and pay documents through your portal, usually as phone photos or downloaded PDFs.
Uptiq separates a Student Loan record from Paystubs even when both are submitted inside the same upload.
Servicer, outstanding principal balance, interest rate, and gross pay for the period are pulled as structured fields.
Balance and rate are cross-checked against the stated payment, so a deferred or reduced amount is flagged rather than accepted.
An amortized payment estimate and annualized income are calculated for the debt-to-income your credit policy actually applies.
Structured output lands in your LOS or core with the servicer identified for later payoff and refinance routing.
Proven at Scale
Results represent aggregate outcomes across production deployments. Individual results may vary.
Key Benefits
Reading servicer, balance, rate, and payment terms off a Student Loan record by hand is most of the analyst time on an otherwise short file.
Both document types are read at 95%+ extraction accuracy, certified by a Knowledge Team of former underwriters, bankers, and analysts, so a thin file is not also a fragile one.
Structured loan and income fields drop into the systems you already run, so a two-document workflow never needs a system of its own.
Common Questions
Related Industries
Book a 30-minute session. We'll run a live extraction demo on your own student lending documents.
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