{"uid":"cap_Zmm_DJZVC19AFxTvdALwM","slug":"scholarpulse-student-loan-repayment-strategy-4abdf779","name":"ScholarPulse Student Loan Repayment Strategy","description":"ScholarPulse: real-time scholarship and student finance intelligence for 190+ countries. Scholarship search, Erasmus+, FAFSA strategy, loan forgiveness, degree ROI, and merit aid. Pay-per-query via x402 on Base.","url":"https://scholarpulse-bice.vercel.app/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_OXx9JXqieQdWkUImuRN3g","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 international student loan repayment plans (US SAVE/IBR/PAYE, UK Plan 2/5, Australia HELP, Canada RAP) and provides refinancing analysis","exampleAgentPrompt":"I have $65,000 in federal student loans and earn $48,000 a year — can you compare SAVE, IBR, and PAYE repayment plans for me and tell me which one minimizes my total payments, including how refinancing stacks up?","exampleUseCases":null,"resultDescription":"Returns a structured comparison of applicable repayment plans for the borrower's country and loan type, including estimated monthly payments, total interest paid over the life of the loan, forgiveness timelines, and a refinancing analysis with a recommended strategy.","failureModes":["Missing required loan balance or income data returns an error","Unsupported country or loan type returns no results","Invalid repayment plan identifier returns an error","Ambiguous loan type (federal vs private) may produce incomplete comparisons"],"whenToPreferThis":"Use this endpoint when a user needs a multi-plan repayment comparison across international student loan systems (US, UK, Australia, Canada), especially when evaluating income-driven repayment options or refinancing trade-offs. Prefer this over general loan calculators when the user wants strategy recommendations, not just payment estimates.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T18:40:31.397Z","isFirstParty":false}