{"uid":"cap_XP3JEpGjBG3JDVdn_FB4y","slug":"debtpulse-debt-burden-snapshot-240b0caf","name":"DebtPulse Debt Burden Snapshot","description":"Debt burden assessment and debt-to-income snapshot. Returns a full burden analysis, danger flags, and the priority actions to take first, with live macro rate context. For debt-relief and personal-finance agents.","url":"https://debtpulse.theaslangroupllc.com/api/debt/snapshot","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":{"action":{"type":"string","description":"analyze | relief-options | free-resources"},"income":{"type":"string"},"total_debt":{"type":"string"}}}},"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":{"total_debt":45000,"recommended":"Non-profit credit counseling","free_resource":"NFCC.org","debt_to_income":0.6,"relief_options":["DIY payoff plan","Non-profit credit counseling (free)","Debt management plan","Bankruptcy (last resort)"]}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.1","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":"$0.1/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_hiSgKIOmxIyK7wkfDqvcI","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.1","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Analyzes a user's debt burden, returns a full debt-to-income assessment with danger flags, priority action recommendations, and live macro interest rate context.","exampleAgentPrompt":"Can you run a full debt burden snapshot for me? I have $18,000 in credit card debt at 24% APR, a $12,000 car loan at 7%, and a $45,000 student loan at 5.5%, with a monthly gross income of $5,200 — tell me my debt-to-income ratio, any danger flags, and what I should tackle first.","exampleUseCases":[{"title":"Emergency debt health check for worried borrower","prompt":"I'm stressed about my overall debt situation. Can you give me a quick debt health snapshot? I have about $8,500 in credit card debt, a $22,000 car loan, and make $4,800 a month. I need to know if I'm in dangerous territory and what to fix first."},{"title":"Financial counselor preparing client overview","prompt":"I'm working with a new client who has multiple debts and wants to understand the full picture before we make a plan. Can you pull their debt burden analysis? They have $31,000 in student loans, $9,000 on a credit card, a $15,000 personal loan, and earn $6,200 monthly. Show me their debt-to-income ratio, risk flags, and top priorities."},{"title":"Refinancing decision support with rate context","prompt":"I'm thinking about consolidating my debts but first I need to understand where I actually stand. Can you analyze my total debt load against my income? I've got $5,200 in credit card balances, $28,000 in student loans, $14,000 in a personal loan, making $5,500 a month. What's my real risk level given current interest rates, and what should I focus on?"}],"resultDescription":"Returns a comprehensive debt burden analysis including debt-to-income ratio calculation, danger flags (e.g. high DTI, high-APR debt concentration), prioritized action recommendations, and live macroeconomic interest rate context to inform next steps.","failureModes":["Missing required income or debt inputs returns a 400 validation error","Malformed numeric values (e.g. non-numeric debt amounts) cause a parse error","Upstream macro rate data unavailability may result in partial response without live rate context","Rate limiting or payment failure returns a 402 or 429 error"],"whenToPreferThis":"Use this endpoint when a user needs a holistic, top-level debt health assessment — a single snapshot covering DTI, risk flags, and prioritized actions — rather than a strategy specific to one debt type (e.g. student loans, mortgage, or payday loans, which have dedicated sibling endpoints). Best as a first-call triage for debt-relief agents or personal finance workflows.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-16T00:42:03.432Z","isFirstParty":false}