# DebtPulse Debt Consolidation Analyzer

> DebtPulse Debt Consolidation Analyzer is a paid API for AI agents from debtpulse.vercel.app, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-15).

Compares personal loan, balance transfer, and HELOC consolidation options with specific lender recommendations for a given debt profile.

## Facts

- Endpoint: GET https://debtpulse.vercel.app/api/debt/consolidate
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-debt-consolidation-analyzer-28124402
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_3yWdocjNAiD8PFNJM8Ffv

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability debtpulse-debt-consolidation-analyzer-28124402
```

Example prompt: I have $18,000 in credit card debt spread across 3 cards with an average APR of 22%, and my credit score is around 710 — can you compare personal loan, balance transfer, and HELOC options and tell me which lenders to go with to consolidate all of it cheapest?

## When to prefer this

Use this endpoint when a user needs a structured, side-by-side analysis of the three main consolidation paths (personal loan, balance transfer, HELOC) with actual lender names attached. Prefer this over generic budgeting tools when the user has multiple debts and wants actionable consolidation guidance rather than simple debt tracking or payoff scheduling.

## Known failure modes

- Missing required debt parameters returns an error with missing field details
- Credit score out of valid range causes a validation error
- Unsupported debt type or currency may return empty lender recommendations
- Payment of 0.1 USDC required per call; unpaid requests return 402 Payment Required
- Lender recommendations may be unavailable for very thin or unscored credit profiles

## How this service works

Debt consolidation calculator: personal loan vs balance transfer vs HELOC. Compares all options with specific lender recommendations and live rate context, tailored by credit score and country. For debt-relief and personal-finance agents.

## Output

A structured comparison of three consolidation strategies — personal loan, balance transfer, and HELOC — with estimated costs, interest savings, recommended lenders for each option, and a recommended best-fit path based on the user's debt and credit profile.

## Request schema (JSON Schema)

```json
{
 "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"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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)"
  ]
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/debtpulse-debt-consolidation-analyzer-28124402/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from debtpulse.vercel.app](https://www.zero.xyz/host/debtpulse.vercel.app/llms.txt)