Assesses borrower hardship and recommends the least-harmful relief path (IDR, deferment, forbearance, modification for private loans), documenting rationale and routing approvals per policy.
Not yet specifiedAssistiveComplexity: High
This agent is in the backlog. Registered interest decides which agents are specified and prototyped next.
What it does
Detect hardship signals in inbound and collections conversations
Gather income, expense and circumstance information
Evaluate IDR before forbearance for federal loans and modification options for private loans
Recommend option with evidence and policy rule applied
Route to human approver where required and deliver borrower explanation