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product features
Comprehensive data

Review details for each account type including balances, terms, payment timing, and more

On-demand data feed

Access the latest liabilities data when you need it—for student loans, credit cards, and mortgages

Enable payments

Access account information to help enable users to set up payments for their student loans

Make a Liabilities request

Use the Liabilities endpoint to submit a POST request

Student loans

Access student loan details including disbursement dates, expected payoff date, interest rate, next payment due date, remittances address, and more

Credit cards

Access credit card details including APRs, credit limit, minimum payment amount, next payment due date, last statement issue date, last statement balance, and more

Mortgages

Access mortgage details including loan number, original loan amount, interest rate, property address, escrow balance, last payment date, and more

Retrieve Liabilities request

 
curl -X POST https://sandbox.plaid.com/liabilities/get \
-H 'Content-Type: application/json' \
-d '{
  "client_id": String,
  "secret": String,
  "access_token": String
}'

Run

Make a Liabilities request

Use the Liabilities endpoint to submit a POST request

Retrieve Liabilities request


curl -X POST https://sandbox.plaid.com/liabilities/get \
-H 'Content-Type: application/json' \
-d '{
  "client_id": String,
  "secret": String,
  "access_token": String
}'

Liabilities data

The /liabilities/get endpoint enables you to retrieve user-permissioned data from different types of accounts including student loans, credit cards, and mortgages

Retrieve Liabilities response

http code 200
{
  "accounts": [
    {
      "balances": {
        "available": null,
        "current": 30000,
        "iso_currency_code": "USD",
        "limit": 40000,
        "unofficial_currency_code": null
      }
      ...
    }
  ],
  "liabilities": {
    "student": [
      {
        "account_id": "vokyE5Rn6vHKqDLRXEn5fne7LwbKPLIXGK98d",
        "account_number": "3735928559",
        "disbursement_dates": [
          "2017-05-20",
          "2017-06-20"
        ],
        "expected_payoff_date": "2030-04-21",
        "guarantor": "Gingham Guarantor",
        "interest_rate_percentage": 18.25,
        "is_overdue": false,
        "last_payment_amount": 420,
        "last_payment_date": "2019-03-15",
        "last_statement_balance": 2345.6,
        "last_statement_issue_date": "2019-03-01",
        "loan_name": "Direct Subsidized Stafford",
        "loan_status": {
          "end_date": "2019-09-24",
          "type": "repayment"
        },
        "minimum_payment_amount": 123,
        "next_payment_due_date": "2019-04-01",
        "origination_date": "2017-04-21",
        "origination_principal_amount": 12345.6,
        "outstanding_interest_amount": 1234.5,
        "payment_reference_number": "4277009102",
        "pslf_status": {
          "estimated_eligibility_date": "2021-01-01",
          "payments_made": 42,
          "payments_remaining": 78
        },
        "repayment_plan": {
          "description": "STANDARD REPAYMENT",
          "type": "standard"
        },
        "sequence_number": "1",
        "servicer_address": {
          "city": "San Matias",
          "country": "US",
          "postal_code": "93405-2255",
          "region": null,
          "street": "2493 Leisure Lane"
        },
        "ytd_interest_paid": 123.4,
        "ytd_principal_paid": 1234.5
      }
    ],
    "credit": [
      {
        "account_id": "LgDOJbZz7pFKpaPNgRpZU57zY395q1I0Lxpew",
        "aprs": [
          {
            "apr_percentage": 23.99,
            "apr_type": "purchase_apr",
            "balance_subject_to_apr": 2345.6,
            "interest_charge_amount": 27.01
          }
        ],
        "is_overdue": false,
        "last_payment_amount": 420,
        "last_payment_date": "2019-03-15",
        "last_statement_balance": 2345.6,
        "last_statement_issue_date": "2019-03-01",
        "minimum_payment_amount": 123,
        "next_payment_due_date": "2019-04-01"
      }
    ],
    "mortgage": [
      {
        "account_id": "LgDOJbZz7pFKpaPNgRpZU57zY395q1I0Lxpew",
        "current_late_fee": 25.00,
        "escrow_balance": 3141.54,
        "has_pmi": true,
        "has_prepayment_penalty": true,
        "interest_rate": [
          {
            "type": "fixed",
            "percentage": 0.0399,
            "next_scheduled_interest_rate_change": "2025-04-01"
          }
        ],
        "last_payment_amount": 3141.54,
        "last_payment_date": "2019-08-01",
        "account_number": 3120194154,
        "loan_type": "conventional",
        "loan_term": "30 year",
        "origination_date": "2015-08-01",
        "origination_principal_amount": 425000,
        "maturity_date": "2045-07-31",
        "past_due_amount": 2304,
        "property_address": {
          "city": "Malakoff",
          "region": "NY",
          "street": "2992 Cameron Road",
          "postal_code": "14236",
          "country": "US"
        },
        "next_payment_due_date": "2019-11-15",
        "next_monthly_payment": 2156.00,
        "ytd_interest_paid": 123.4,
        "ytd_principal_paid": 1234.5
      }
    ]
  },
  "item": {},
  "request_id": "9GMVig"
}

Student loans

Access student loan details including disbursement dates, expected payoff date, interest rate, next payment due date, remittances address, and more

Credit cards

Access credit card details including APRs, credit limit, minimum payment amount, next payment due date, last statement issue date, last statement balance, and more

Mortgages

Access mortgage details including loan number, original loan amount, interest rate, property address, escrow balance, last payment date, and more

Liabilities has provided more reliable and comprehensive student loan data than any other solution on the market—in a single, easy-to use API.
Jon Levinson
Director of Product, Pillar