# PERFORMANCE AUDIT — Phase 4 Student Finance

**Generated:** 2026-09-10 20:21:03

## Observations from code review + smoke timing

| Area | Finding | Severity |
|------|---------|----------|
| Dashboard aggregates | Simple `count()` / `sum()` queries — acceptable for seeded volume | Low |
| CRUD indexes | Follow existing institution DataTables pattern | Info |
| Eager loading | Student finance relations load without exception | PASS |
| Indexes | Migration includes FK/index columns on core finance tables | Info |
| HTTP smoke wall time | ~4–8 minutes for 61 requests in PHP built-in kernel (local) | Info |

## N+1

No production traffic profiling (Clockwork/Debugbar) was run. Recommend enabling query log on first UAT load of invoices index with >1k rows.

## Verdict

**PASS for current seed scale.** Monitor invoice/payment list pages under load.