{"uid":"cap_QTfLvGpxPDPk73--KagqQ","slug":"scholarpulse-student-loan-repayment-strategy-101e774c","name":"ScholarPulse Student Loan Repayment Strategy","description":"Student loan strategy for student and financial-aid agents. Compares repayment plans for US (SAVE/IBR/PAYE), UK (Plan 2/5), Australia (HELP), Canada (RAP), and more, with refinancing analysis.","url":"https://scholarpulse.theaslangroupllc.com/api/loans","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET","HEAD","DELETE"],"type":"string"},"queryParams":{"type":"object","properties":{"income":{"type":"string","description":"55000 (annual income)"},"balance":{"type":"string","description":"45000 (loan balance)"},"country":{"type":"string","description":"US | UK | Australia | Canada | New Zealand"},"loan_type":{"type":"string","description":"federal | private | HELP | Plan2 | OSAP"},"family_size":{"type":"string","description":"optional, for US IDR plans"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"errors":{"type":"object","description":"Documented error responses, keyed by HTTP status code","additionalProperties":{"type":"object","required":["description"],"properties":{"example":{"type":"object"},"description":{"type":"string"}}}},"example":{"type":"object"}}}}},"responseSchema":{"type":"json","example":{"recommended_plan":"SAVE","refinancing_analysis":{"reason":"Would lose PSLF eligibility and IDR access","private_refinancing_worth_it":false},"recommendation_rationale":"Lowest monthly payment at $142/month; remaining interest waived"}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.12","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.12/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.12","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.12","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_PzkxWLTlnUjtR076e0dQA","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.12","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Compares student loan repayment plans across multiple countries (US SAVE/IBR/PAYE, UK Plan 2/5, Australia HELP, Canada RAP, and more) and analyzes refinancing options to identify the optimal strategy.","exampleAgentPrompt":"I have $45,000 in federal student loans and earn $52,000 a year — can you compare SAVE, IBR, and PAYE repayment plans and tell me which one will cost me the least overall, and whether refinancing makes sense?","exampleUseCases":null,"resultDescription":"Returns a structured comparison of eligible repayment plans (e.g. SAVE, IBR, PAYE for US; Plan 2/Plan 5 for UK; HELP for Australia; RAP for Canada), including estimated monthly payments, total repayment costs, forgiveness eligibility timelines, and a refinancing analysis with a recommended optimal strategy.","failureModes":["Missing required parameters such as loan balance or income returns a 400 error","Unsupported country or loan type returns an error indicating out-of-scope request","Invalid income or balance values (e.g. negative numbers) return validation errors","API returns 402 if payment in USDC is not provided or fails","Insufficient data for refinancing comparison may return partial results without refinancing analysis"],"whenToPreferThis":"Use this endpoint when a user needs to compare multiple student loan repayment plans across US income-driven options (SAVE, IBR, PAYE) or international systems (UK, Australia, Canada), or wants a combined repayment-plus-refinancing analysis in a single call. Prefer this over the dedicated refinancing endpoint when the user wants a holistic repayment strategy rather than just refinancing rates.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T00:43:32.660Z","isFirstParty":false}