Overview
The Enrollment section is where users review, manage, and enroll debts based on the applicant’s credit report. It is divided into summary metrics, enrolled debts, and unenrolled debts.
System Notification Banner
At the top of the section, a notification message may appear:
“Scheduled payments and financial analysis will be regenerated once enrolled debts change is submitted.”
Purpose:
Alerts users that any changes to enrolled debts will impact downstream calculations
Ensures users understand that updates require submission to take effect
Enrolled Debts
This section displays all debts currently included in the enrollment.
Summary Metrics (Top Row)
Provides a quick overview of enrolled accounts:
Total Accounts
Total number of debts currently enrolledTotal Balance Amount
Combined outstanding balance of all enrolled debtsTotal Payment Amount
Sum of monthly payments across enrolled debtsUtilization Rate
Percentage of credit used across enrolled accountsHigh utilization is visually highlighted (e.g., red indicator)
Add / Edit Enrollment Row
The input row at the top allows users to manually add or modify debts before enrolling.
Fields include:
Creditor
Account #
Debt Type (dropdown)
Balance
Whose Debt (Individual / Joint)
Payment Amount
Last Payment
Opened Date
Status (e.g., Open, Closed)
Current Rating
Action:
Enroll button → Adds the debt to the enrolled list
Enrolled Debts Table
Displays detailed information for each enrolled account.
Columns include:
Creditor
Account #
Debt Type
Balance
Credit Limit
Utilization Ratio
Whose Debt
Payment Amount
Last Payment (time since last activity)
Opened (age of account)
Status (Open/Closed)
Current Rating (e.g., Charge-off)
Emergency / Notes / Additional actions (ellipsis menu)
Key Behaviors:
High utilization values are visually emphasized
Status and rating provide insight into account condition
Some fields may be editable depending on permissions
Unenrolled Debts
This section lists debts that were pulled from the credit report but not included in enrollment.
Unenrolled Debts Table
Similar structure to the enrolled table, including:
Creditor
Account #
Debt Type
Balance
Credit Limit
Utilization Ratio
Whose Debt
Payment Amount
Last Payment
Opened
Status
Current Rating
This section contains the enrollment summary, which is essentially a summary of the total accounts enrolled, the total balance of debt, the total payments, the total settled, and the available balance.
Each row can be expanded to reveal additional details. Expanded View Includes:
Current Amount
Whose Debt
Current Payment
Last Payment
Status
Pulled Date
Row Actions (Three-Dot Menu)
Each enrolled / Unenrolled debt includes an action menu (⋯) with management options:
Available Actions
Unenroll/enroll
Removes/ Adds the debt from the enrolled/Unenrolled list
Moves it back to Unenrolled/enrolled Debts
Set Emergency Card
Marks the account as an emergency funding source
Used in financial planning scenarios
Edit
Allows modification of the debt’s details
Updates will reflect in calculations after submission